Senior Property Claims Adjuster

This position is field-based, providing access to a company car and requiring frequent driving within your assigned territory in Eastern Massachusetts. The ideal candidate should reside in or near the territory, specifically around Worcester, Massachusetts.

Role Purpose and Function:

The Senior Property Claim Adjuster’s role involves investigating, evaluating, negotiating, and settling assigned claims. This includes on-site investigations, damage appraisals, and in-person meetings with policyholders throughout their claim process. This role also entails representing the Claims Department during visits with agency partners.

Key Capabilities for Success:

• Delivering an exceptional customer experience from first contact to claim closure while maintaining a professional demeanor.
• Strong time management skills to maintain schedules and adapt quickly as needed.
• Conduct prompt inspections of damaged property and have a robust understanding of building materials and construction techniques.
• Accurately and timely reserving of claims with a focus on our reserving philosophy.
• Prepare detailed estimates of damages using Xactimate in line with company guidelines.
• Resolve claims proactively and fairly, reflecting coverage, liability, and damages.
• Conduct thorough investigations, including obtaining statements and pursuing information from relevant sources.
• Coordinate emergency repairs and loss mitigation for insureds.
• Understand policy forms and endorsements for both personal and commercial lines policies.
• Manage and minimize adjustment process expenses.
• Combat fraud and identify potential fraud scenarios or trends.
• Maintain workload in line with company standards and use key data points for informed decision-making and improved claim resolutions.
• Adjust work schedule to meet customer needs and workload fluctuations.
• Provide support for CAT responses as needed.
• Develop solutions for team challenges and leverage technology for efficiency and superior customer service.
• Conduct audits and reinspections as required, ensuring accurate and timely documentation and reporting.
• Build relationships with brokers and agency partners and work towards departmental and corporate goals.

Qualifications:

• At least 2 years of experience as a property field adjuster handling claims up to $100,000.
• Completion of or progress towards professional development courses (e.g., AIC, CPCU, SCLA) is preferred.
• Exceptional listening, oral, and written communication skills.
• Ability to make timely, informed decisions.
• Knowledge of Unfair Claims Practices and state insurance regulations.
• Strong time and project management skills with a focus on process improvement.
• Ability to influence departmental goals and objectives.
• Collaborative, problem-solving, and negotiation skills.
• Integrity in all duties and interactions.
• Proficiency in Xactimate and technology platforms used by the company (including Windows, Microsoft Office Suite, and various internet-based applications).
• A valid driver’s license in good standing is required.

Physical Requirements:

• Ability to inspect roofs, crawlspaces, attics, and other challenging areas.
• Capable of lifting up to 50 pounds.
• Must work outside in various weather conditions and drive significant distances. Travel is mostly within 3 hours from home, with occasional longer and overnight trips required based on business needs.

We recognize the significance of comprehensive health and well-being for our employees and offer a broad range of benefits to address this:

Financial:

• No-cost short-term disability, long-term disability, and life insurance coverage.
• Optional enhanced life insurance and critical illness plans.
• A 401k plan with employer contributions, independent of your own contributions.
• Pension Plan.
• Certain positions may qualify for short-term incentive plans.

Social:

• Starting with 25 days of paid time off upon hire (prorated for the first year based on start date).
• 7 days of paid sick leave.
• 10 paid company holidays.
• Additional personalized paid time off after 3 years.

Emotional:

• Access to Modern Health for personalized mental health care services.

Physical:

• Medical, dental, and vision coverage from the first day of employment.
• Flexible Spending Accounts and Health Savings Accounts (with employer contributions) available depending on your medical plan choice.