Senior Property Claims Adjuster – Field

🔥 3 hours ago

❄️ Minnesota – Remote

❄️ Minnesota – Remote

💵 $78k - $119.6k / year

⏰ Full Time

🟠 Senior

📋 Claims Specialist

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EMC Insurance Companies

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1911

🛡️ Insurance

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 investigate, evaluate, negotiate, settle, and resolve large and moderately complex to complex commercial property claims, including claims in litigation • Review claim notices, lawsuits, contracts, and policies to verify coverage, deductibles, claim payees, mortgagees, and compensability • Perform field inspections and re-inspections of commercial properties • Contact insureds and claimants to explain the claims process and provide claim status updates • Coordinate experts, remediation, temporary restoration, business continuation, evidence preservation, engineers, contractors, and reinspections • Obtain statements and official reports; document claim activities, reserve analyses, and reports in the claim system • Set timely and adequate reserves and analyze business records to estimate business-income losses • Review bills, invoices, receipts, legal expenses, estimates, and repair methods for accuracy and appropriateness • Resolve coverage questions and disputes, evaluate causes of loss, write repair estimates, and negotiate settlements • Draft reservation-of-rights, denial, settlement, statement-of-loss, and proof-of-loss documents upon required approval • Pursue recovery and subrogation opportunities, identify potential fraud, and refer cases to SIU • Recommend defense counsel and collaborate with attorneys on litigation • Coordinate and prepare cases for mediations, appraisals, arbitrations, and lawsuits • Submit referrals to internal specialty units and prepare risk reports for Underwriting and Risk Improvement • Review coverage intent, policy activity, account inspections, and property estimates • Participate in claims roundtables, catastrophic claims operations, large projects, and provide technical guidance to less experienced adjusters

🎯 Requirements

• Bachelor’s degree or equivalent relevant experience • Five years of property claims adjusting experience or related experience • Relevant insurance designations preferred • Strong knowledge of claims theory and practice • Strong knowledge of insurance contracts, medical terminology, and substantive and procedural laws • Strong computer and claims-system knowledge • 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 • 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 • Full day of volunteer time off annually • 401(k) plan match • Pension plan • OneEMC bonus plan • Recognition and anniversary awards • Tuition reimbursement • Professional development and growth opportunities • Wellness initiatives to improve team member well-being and reduce health insurance costs • Flexibility to dress for your day • Opportunities for alternative work arrangements