Senior Property Claims Adjuster – Field

This is a fully remote position, open to applicants in Minnesota.

📋 Description

• Conduct thorough investigations, evaluations, negotiations, settlements, and resolutions for complex and moderately complex commercial property claims, including those under litigation.

• Analyze claim notifications, legal documents, contracts, and policies to confirm coverage details, deductibles, claim payees, mortgagees, and compensability.

• Execute field inspections and re-inspections of commercial properties.

• Communicate with insured parties and claimants to clarify the claims process and provide updates on claim status.

• Coordinate with experts, remediation specialists, temporary restoration services, business continuity efforts, evidence preservation, engineers, contractors, and for re-inspections.

• Gather statements and official reports; meticulously document claim activities, reserve analyses, and reports within the claims management system.

• Establish timely and appropriate reserves while analyzing business records to assess potential business-income losses.

• Examine bills, invoices, receipts, legal expenses, estimates, and repair methodologies for accuracy and relevance.

• Address coverage inquiries and disputes, assess loss causes, draft repair estimates, and negotiate settlements.

• Prepare documentation such as reservation-of-rights, denial, settlement, statement-of-loss, and proof-of-loss, subject to necessary approvals.

• Seek recovery and subrogation opportunities, identify potential fraud, and refer cases to the Special Investigations Unit (SIU).

• Recommend defense counsel and collaborate with attorneys throughout litigation processes.

• Organize and prepare cases for mediation, appraisals, arbitrations, and lawsuits.

• Submit referrals to internal specialty units and generate risk reports for Underwriting and Risk Improvement teams.

• Review policy intent, activity, account inspections, and property estimates.

• Engage in claims roundtables, manage catastrophic claims operations, oversee large projects, and provide technical support to less experienced adjusters.

⛳️ Requirements

• Bachelor's degree or an equivalent level of relevant experience.

• Minimum of five years in property claims adjusting or related fields.

• Relevant insurance designations are preferred.

• Comprehensive understanding of claims theory and practice.

• In-depth knowledge of insurance contracts, medical terminology, and both substantive and procedural laws.

• Proficient in computer skills and claims management systems.

• Capability to acquire all necessary state licenses.

• Strong organizational skills and empathetic interpersonal communication abilities.

• Excellent written and verbal communication skills.

• Outstanding customer service skills.

• Strong investigative and problem-solving capabilities.

• Ability to maintain confidentiality.

• Occasional travel may be required.

• A valid driver's license with an acceptable motor vehicle report as per company standards is mandatory if driving is involved.

🏝️ Benefits

• Exceptional benefits package including life, medical, dental, vision, and prescription drug coverage.

• Competitive paid time off policy.

• A full day of volunteer time off each year.

• 401(k) plan matching contributions.

• Pension plan availability.

• OneEMC bonus program.

• Recognition and awards for anniversaries and achievements.

• Tuition reimbursement programs.

• Opportunities for professional development and career advancement.

• Wellness initiatives aimed at enhancing team member well-being and lowering health insurance costs.

• Flexible dress code to suit your day.

• Options for alternative work arrangements.