Senior Property Claims Adjuster

🕒 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

• Independently investigates, evaluates, negotiates, and resolves large and moderately complex to complex commercial property and reinsured cyber claims, including litigated matters, within assigned authority • Analyzes coverage, cause of loss, scope, valuation, and business income exposure; establishes timely and adequate reserves • Conducts field inspections and oversees re-inspections, including participation in catastrophe operations • Coordinates and manages experts and vendors (e.g., engineers, remediation firms, contractors, origin and cause specialists) to address urgent claim needs and preserve evidence • Communicates claim status, coverage positions, and resolution strategies with insureds, agents, attorneys, and internal partners • Develops negotiation strategies, evaluates settlement ranges, and negotiates claim settlements in accordance with company guidelines • Drafts and issues reservation of rights, denial letters, settlements, proofs of loss, and payments with accuracy and compliance • Manages litigated claims, recommends defense counsel, and collaborates with attorneys through mediation, appraisal, arbitration, or trial • Identifies recovery, subrogation, and potential fraud opportunities; partners with SIU as appropriate • Reviews and audits estimates and invoices for accuracy, reasonableness, and cost-effective repair solutions • Collaborates with Underwriting, Risk Improvement, and other specialty units to support risk evaluation and account management • Serves as a technical resource and mentor to less experienced adjusters and participates in cross-functional initiatives

🎯 Requirements

• Bachelor’s degree or equivalent relevant experience • Five years of property claims adjusting experience or related experience • Relevant insurance designations preferred • Excellent knowledge of the theory and practice of the claim function • Strong knowledge of insurance contracts, medical terminology and substantive and procedural laws • Strong knowledge of computers and claims systems • Ability to obtain all applicable state licenses • Excellent organizational and empathetic interpersonal skills • Strong written and verbal communication skills • Excellent customer service skills • Excellent investigative and problem-solving abilities • 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

• Outstanding benefits with life, medical, dental, vision and prescription drug coverage • Competitive paid time off plan and a full day of volunteer time off annually • Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards • 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