Property Claims Adjuster II

🕒 April 24

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EMC Insurance Companies

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1911

Insurance

EMC Insurance Companies is a mutual insurance firm providing specialized business insurance solutions. They focus on commercial property insurance, liability insurance, workers' compensation, and business owners' policies. With a strong emphasis on personalized service, EMC collaborates closely with local agents to deliver comprehensive and tailored coverage. EMC is committed to understanding the unique challenges faced by its policyholders, offering risk management and loss control resources to help businesses safeguard their assets. Known for their dedicated partnerships and exceptional customer service, EMC ensures that businesses are prepared for the unexpected with their superior insurance solutions.

📋 Description

• Investigates and evaluates medium-sized and moderately complex commercial property and reinsured cyber claims • Conducts field inspections as needed and coordinates internal and external experts to manage mitigation, temporary restoration, business continuity, evidence preservation, and cause-and-origin analysis • Initiates timely contact with insureds, claimants, and other parties to explain the claims process and meet legal notice requirements • Obtains statements from insureds, claimants, witnesses, and other relevant parties and secures all required claim forms and documentation • Reviews estimates, invoices, receipts, and financial records to assess property damage and business income loss • Documents claim activity, summaries, and reserve analyses in the claim system and establishes timely, accurate reserves in accordance with company methodology • Escalates claims exceeding authority to the Claims Supervisor for review or reassignment • Resolves issues related to coverage, causation, valuation, and repair methodology and communicates claim status with insureds, claimants, agents, and attorneys • Prepares and reviews repair estimates using research and estimating software, addressing discrepancies as identified • Negotiates and settles claims within assigned authority and recommends settlements to management when outside authority • Drafts and issues reservation of rights and denial letters with approval and prepares settlement documents, statements of loss, proof of loss, and timely payments in compliance with requirements • Identifies and pursues recovery opportunities, including subrogation and legally compliant evidence preservation • Identifies potential fraud and refers claims to the Special Investigations Unit (SIU) when appropriate • Supports mediations, appraisals, arbitrations, and litigation preparation as needed • Prepares risk reports and participates in coverage, account, and inspection reviews with Underwriting and Risk Improvement • Audits estimates prepared by independent adjusters and contractors to ensure accuracy and cost-effective repairs • Handles referred claims from other departments, supports team members, participates in claims roundtables, and contributes to projects as needed

🎯 Requirements

• Bachelor’s degree or equivalent relevant experience • Three years of property claims adjusting experience or related experience • Relevant insurance designations preferred • Strong knowledge of the theory and practice of the claim function • Strong knowledge of commercial property insurance contracts and procedural laws • Ability to obtain all applicable state licenses • Strong knowledge of computers and claims systems • Strong written and verbal communication skills • Excellent customer service skills • Solid investigative and problem-solving abilities • Strong organizational abilities and empathetic interpersonal skills • Ability to maintain confidentiality • Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving

🏖️ Benefits

• Health insurance • 401(k) matching • Paid time off • Full day of volunteer time off annually • Professional development and growth opportunities, including tuition reimbursement • Wellness initiatives to improve team member well-being and reduce health insurance costs • Flexibility to dress for your day and opportunities for alternative work arrangements