What are the responsibilities and job description for the General Field Adjuster position at American National?
The Property Field General Adjuster is an experienced property claims expert responsible for handling large and complex losses. This role requires advanced technical skills, high-level investigation and communication abilities, and the capacity to manage all aspects of claims, including directing vendors and experts. The General Adjuster will travel to large / complex loss locations for on-site inspections with minimal notice and ensure accurate and efficient claims processing.
What will you do?
Colorado Pay Range
$118,000—$207,000 USD
What will you do?
- Claims Handling: Manage the full life cycle of property claims, including field inspections, and handle large and complex losses.
- Policy Interpretation: Interpret and understand complex policies, correctly apply coverages to the facts of the loss, and articulate the same to policyholders, their representatives, agents, brokers, and leadership.
- Investigation and Communication: Conduct high-level investigations, communicate effectively with all parties involved, and present coverage rationale and damage adjustments.
- Business Interruption and Income Loss: Demonstrate an understanding of Business Interruption and Business Income Loss coverages and their relationship to one another.
- Technical Expertise: Recognize damage, determine the cause of damage and scope, and translate findings into workable estimates.
- Vendor and Expert Management: Direct vendors and experts involved in the claims process.
- Travel: Travel to large loss locations for on-site inspections with minimal notice.
- Operates Under Minimal Supervision: within a specified territory, including contacting applicable parties, obtaining statements, explaining the claim process, reviewing coverage, investigating, and identifying special investigation unit (fraudulent) indicators.
- Field Investigations: Conduct full field investigations and as deemed to be in the best interest of both the client and company.
- Estimate Preparation: Communicate, explain, and prepare estimates with detailed diagrams and reports.
- Negotiation: Negotiate with insureds, contractors, and vendors.
- Salvage/Subrogation: Assess salvage/subrogation potential and monitor to conclusion.
- Risk Evaluations: Complete risk evaluations for both underwriting and claims.
- Compliance: Conclude claims in compliance with all state rules and regulations.
- Catastrophe (CAT) Events: May assist / respond with claims handling team(s) in catastrophe (CAT) events, which may include extended travel/overnight stays.
- Continuing Education: Maintain continuing education (CE) courses for required state licensing.
- Extensive experience in property claims handling, particularly with large and complex commercial losses likely with an incurred of $500,000 or greater and or commercial loss complexities such as Livestock, Grain, Growers, Time Element and Winery Fermentation losses etc.
- Strong technical skills and the ability to recognize and assess damage accurately.
- Excellent investigation and communication skills.
- Ability to interpret and apply complex policy coverages.
- Experience in managing vendors and experts.
- Willingness to travel for on-site inspections with minimal notice.
- Commitment to maintaining continuing education and state licensing requirements.
- Bachelor’s degree
- Ten or more years of experience in property insurance, construction and or related field.
- State insurance adjusting license(s) and/or ability to obtain one.
- Commercial Property Estimating including Farm and Ranch Claims Handling Expertise.
- Field Adjusting and Estimating Knowledge.
- Insurance designations such as Chartered Property Casualty Underwriter (CPCU), Associate in Claims (AIC) or Senior Claim Law Associate (SCLA).
Colorado Pay Range
$118,000—$207,000 USD
Salary : $118,000 - $207,000
