Property Insurance Field Claims Adjuster

Property Insurance Field Claims Adjuster
Location: Jefferson, WI, US

Description
A meticulous and highly skilled Property Field Claims Adjuster is sought to join a dynamic team. This role involves investigating and assessing property damage claims filed by policyholders. Responsibilities include evaluating damage across various property types such as residential, commercial, and farm properties, determining coverage, and negotiating settlements with insured parties or third-party claimants. The designated coverage area includes Jefferson, WI, and surrounding areas. A company vehicle, laptop, and mobile phone will be provided for work-related use.

Responsibilities

• Analyze insurance policies, review claim forms, and investigate circumstances surrounding the loss to determine coverage and liability.

• Assess the extent of property damage and calculate appropriate settlement amounts.

• Prepare detailed reports documenting findings, including photographs, measurements, and estimated repair costs.

• Maintain accurate records of all communications, transactions, and relevant documentation throughout the claims process.

• Professionally and empathetically interact with policyholders, claimants, and other stakeholders, addressing questions and providing guidance on claims processes, coverage, and settlement procedures.

• Negotiate with policyholders, contractors, and third-party claimants to reach fair settlement agreements, clearly explaining the settlement offer, including coverage limitations and applicable deductibles.

• Collaborate with other departments such as underwriting, legal, and agents to ensure accurate claims assessment and compliance with policies and procedures.

• Stay updated on relevant laws, regulations, and industry standards related to property insurance claims and ensure compliance with all applicable guidelines and procedures.

• Perform other duties as assigned.

Qualifications

• A Bachelor’s degree in a relevant field such as insurance, risk management, or construction, or equivalent work experience may be considered.

• A minimum of three years of experience as a Property Adjuster, preferably in a field-based role.

• Familiarity with property insurance policies, claim investigation techniques, and industry standard software for documenting and estimating.

• A solid understanding of construction principles and building materials.

• Strong analytical and problem-solving abilities to assess property damage accurately, evaluate coverage, and negotiate settlements effectively.

• Excellent verbal and written communication skills to interact with policyholders, claimants, and internal stakeholders, and to explain complex concepts clearly and concisely.

• Strong customer service skills with a focus on providing a positive experience to policyholders throughout the claims process, and ability to handle challenging conversations with empathy.

• Exceptional organizational and time management skills to handle multiple claims simultaneously, meet deadlines, and maintain accurate documentation.

• Ability to perform the physical requirements of the job, such as climbing ladders, walking on roofs, working inside collapsed/burnt structures, and walking uneven terrain.

Preferred Qualifications:

• Prior experience working with cause and origin experts.

• Experience in handling recovery processes, including subrogation, contribution, and salvage.

• Familiarity with multi-line claims adjusting.

• HAAG Certification.