The property adjuster I provides prompt, courteous, and fair claim service on major property claims within all territory handled out of the district claim office to which he/she is assigned. Will also function as a catastrophe team member when the team is mobilized. All job activities should be carried out in a professional manner consistent with company policy and supervisory instruction.

Support the corporate strategy of our commitment to the member relationship.

Support the strategic mission of the Claims function as it relates to goals for the organization.

Exhibit the Guiding Principles in your daily work.

Develop and maintain relationships with the agency force and support the agencies through sound and effective claim management practices.

Handle all claims in accordance with the provisions of the Unfair Claims Settlement Practices Act and in an ethical and compliant manner.

Review loss reports, and confirm coverage.

Conduct prompt and thorough investigations of losses.

Maintain and thoroughly document electronic claim files to support actions taken.

Maintain adequate reserves and active diaries on all files.

Inspect damaged property and prepare written estimate of damage.

Promptly evaluate and resolve claims through settlement or denial.

Visit agency offices on a regular basis.

Actively pursue salvage recovery.

Assist subrogation unit with subrogation recovery.

Assist the special investigative unit with suspicious claims.

Report claims in accordance with reporting guidelines or as requested by supervisory personnel.

Prepare for participation and assist with litigated claims as required.

Handle claims in compliance with statutes, regulations, and case law.

Maintain estimating equipment and software.

Serve as a catastrophe team member or assist in other claim offices or locations as required.

Regular, predictable attendance.

This list of essential functions is non-exhaustive and may be supplemented as necessary.

Other Responsibilities

Promptly respond to all complaints.

Report immediately the receipt of all summonses.

Report incorrectly rated policies or poor risks to the PARM (Underwriting).

Submit timely and accurate expense reports and mileage reports.

Attend and participate in company claim meetings, seminars, and continuing education activities.

Develop and maintain knowledge of building repair industry, property policy contracts, court decisions, and industry trends.

Maintain and properly use company facilities, equipment, supplies, and vehicles.

Follow company guidelines related to personal use of company vehicles.

Job Specifications

Physical demands: Normal vision/hearing (with or without correction); Sitting; Standing; Speaking; Mobility; Driving an automobile; Climbing ladders Prolonged periods away from home.

Mental demands: Analytic reasoning; Prolonged concentration.

Environmental factors: Working outdoors; Extreme cold (below 32 degrees) and heat (above 90 degrees) for more than one hour; Standard office lighting, temperature and noise.

Equipment: Automobile; Camera; Computer; Telephone; Ladder.

Combination of formal education, training, and experience to acquire knowledge and skills generally equivalent to those possessed by a four-year college graduate. Bachelors degree preferred.

Six months above satisfactory performance as a Property Claim Trainee preferred.

Ability to interpret property policy contracts and legal documents.

Knowledge of the building repair industry.

Knowledge of computerized estimating systems preferred.

Strong written, verbal, and listening communication skills.

Ability to make timely decisions.

Obtain Kentucky Staff Adjuster License within six months of employment.

Valid drivers license and good driving record.

Good negotiation and public relations skills.