Desk Adjuster

Role Description

Handles losses and claims valued up to $15,000 for property and casualty insurers through the thorough examination of documents, records, loss reports, and other relevant documentation. Efficiently manages a case load using technology for efficient claim processing.

• Evaluates insurance policies, claims forms, policies, endorsements, carrier instructions, and other records to determine insurance coverage.
• Conducts thorough investigations, gathers official reports as needed, consults police and hospital records, and inspects physical damage or written estimates for damages based on a conducted inspection to determine extent of company's liability and varying methods of investigation, according to type of insurance.
• Interviews, telephones, and/or corresponds with claimant and witnesses regarding claim.
• Estimates cost of repair, replacement, or compensation.
• Prepares report of findings and negotiates claim settlements by adhering to carrier instructions and obtaining necessary information.
• Issues settlement checks, files regulatory documents, and handles salvage and subrogation as applicable.
• Recommends litigation by legal department when settlement cannot be negotiated.
• Attends litigation hearings and participates in depositions as necessary.
• Revises case reserves in assigned claims files to cover probable costs.
• Maintains an expected caseload efficiently.
• Utilizes technology and automation tools for efficient claim handling.
• Sends claims exceeding $15,000 gross loss amount to leadership for authority approval.

Qualifications

• Bachelor's degree from an accredited college or university preferred.
• Must obtain IIA-AIC designation within 12 to 18 months in the role.
• Appropriate state adjuster license is required.
• Three (3) years of related experience or equivalent combination of education and experience required.
• Prior experience handling property and casualty claims a plus but not required.
• Empathetic claims handling demeanor.
• Strong communication, analytical, organizational, and interpersonal skills.
• PC literate, including Microsoft Office products.
• Analytical and interpretive skills.
• Negotiating skills.
• Ability to create and complete comprehensive, accurate and constructive written reports.
• Ability to work in a team environment.
• Ability to meet or exceed Performance Competencies.

Requirements

• Mental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines.
• Physical: Computer keyboarding, travel as required.
• Auditory/Visual: Hearing, vision, and talking.

Benefits

• Work-life balance.
• Caring culture.