Senior Claims Adjuster (Multi-Line)

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August 16

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Tokio Marine HCC

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Insurance • Financial Services • Risk Management

Tokio Marine HCC is a global insurance company with a strong financial foundation, recognized through its superior ratings from AM Best, Fitch Ratings, and S&P Global. Originally based in Houston, the company has expanded over its 50-year history to operate in 180 countries, specializing in a wide range of complex insurance solutions. Products offered include coverage in areas such as accident and health, cyber liability, marine insurance, professional indemnity, and renewables among many others. With a commitment to its community and employees, Tokio Marine HCC emphasizes long-term growth and excellence in mitigating evolving risks. As a part of the Tokio Marine Group of Companies, it underwrites more than 100 classes of specialty insurance, maintaining a robust position in the global insurance market.

1001 - 5000 employees

Founded 1974

📋 Description

• Review and apply coverage to assigned claims. • Draft coverage disclaimer letters for management’s review and approval. • Conduct investigative work which includes: Gathering information from insured, claimants, and witnesses to determine the facts. • Assign and follow up with independent adjusters / appraisers regarding assigned investigations. • Obtain a police report and/or other documentation that supports damages. • Identify potential fraud indicators and make recommendations for assignment to SIU. • Determine if an expert is necessary and make recommendations to claim manager. • Determine if any potential subrogation and/ or salvage is applicable and complete the salvage worksheet if applicable. • Evaluate damages by analyzing auto appraisals, property estimates, medical records, and expenses. • Recommend appropriate reserve recommendations. • Evaluate settlement value. • Provide analysis of liability based on facts and applicable law. • Manage litigation with guidance from management. • Provide claim resolution by: Negotiate claim settlements within authority. • Effectively and timely deny claims based on no applicable coverage or liability. • Prepare and obtain settlement releases when appropriate. • Facilitate claim payments. • Maintain active and current diaries throughout the life of assigned claims. • Document claim files and contact and communicate with insureds, claimants, and others throughout the life of a claim in accordance with claim handling guidelines and protocols. • Maintain effective communication with other TMHCC functional areas including underwriting, risk control, management, and agents. • Effectively and professionally communicate both orally and in writing. • Maintain and/or obtain adjuster’s licenses as directed by the Company. • Other related duties as assigned.

🎯 Requirements

• Bachelor's degree or the equivalent combination of education and/or work experience. • Minimum of 5 -7 years of relevant and progressive professional experience in insurance claims. • Active State Adjuster's License(s) or ability to obtain within six months from date of hire. • Excellent written and verbal communication skills. • Consistently presents oneself professionally in varied business settings. • Organizational and analytical focus with attention to detail. • Effective at managing time and resources to accomplish multiple tasks in a fast-paced, deadline-oriented environment. • Problem-solving approach to business issues. • Self-motivated and able to work independently with guidance from claim manager. • Strong interpersonal and negotiation skills. • Proficiency in Microsoft Office Suite, specifically Outlook, Word, and Excel. • Must have a valid driver's license.