Claims Analyst III (Residential Property and/or Liability)

Description

Our Claims Analyst III’s are highly-seasoned residential property (1st party) and/or liability (3rd party) claims professionals who are dedicated to doing an outstanding job of accurately and effectively handling a heavy claims file load of the full range of routine to complex claims for the Company. Additionally, our Claims Analyst III’s provide constant, top-quality and highly-responsive service to successfully handle even the most advanced claims inquiries and/or issues from policyholders, agents, third party representatives and other Company team members.

In the spirit of our Company’s mission, values and culture, the duties listed below serve as illustrations of the various types of work that may be performed by our Claims Analyst II’s. We may also expect our Claims Analyst II’s to carry out other responsibilities that are similar, related or a logical assignment to this job class.

• With minimal supervision, provides outstanding service to Harbor Claims external and internal customers; utilizes tact, diplomacy and professional communication skills to positively represent Harbor Claims in telephone and email contacts; per Company claims guidelines, Company quality and time standards and governmental regulations and with minimal supervision, appropriately and correctly responds via telephone and email interactions to a wide range of routine to complex claimants’, agents’ and third party representatives’ claims, policy and other related inquiries and issues.

• Within designated levels of authority and required time frames and with minimal supervision, assigns applicable claims to independent and/or Harbor Claims field adjusters; provides professional and responsive assistance on pending claims to independent and/or Harbor Claims field adjusters; develops and maintains effective working partnerships with independent and field adjusters to ensure prompt and appropriate claims’ actions; correctly reviews, assesses and applies independent and/or field adjusters’ findings in order to appropriately handle the respective claims.

• Within designated authority levels and time frames, with minimal supervision and adeptly utilizing assigned tools, analyzes claims information to determine appropriate settlement; as required, requests, obtains, reviews and evaluates outside experts’ (including engineers, architects, construction contractors and attorneys) opinions and/or information and confers with experts; communicates with claimant regarding settlement and effectively negotiates, when necessary; as required, interviews and records statements of claimants and witnesses to gather pertinent information; communicates with claimant regarding settlement and effectively negotiates, as necessary; settles claim and closes a wide spectrum of files including those with increased complexity, severity and/or exposure and/or which may be attorney- or third-party-represented; when claim is outside scope of authority or is attorney or third-party represented, actively and professionally works the file while maintaining clear communication and ongoing interaction with management, internal legal counsel and/or outside legal counsel, as appropriate, to ensure prompt timely and fair resolution of claims; may participate in mediation and/or court proceedings.

• Maintains exceptionally thorough, accurate claims files in compliance with governmental regulations and Company standards; efficiently and effectively utilizes multiple Carrier and Harbor Claims Information Systems/Programs to accurately maintain Claims files and file diaries.

• Reviews assigned files for subrogation potential; as warranted, identifies potential subrogation opportunities; clearly communicates findings to subrogation specialist and provides follow-up assistance and support, as necessary.

• Actively contributes as a member of the Harbor Claims Team by providing assistance and support to assigned claims, underwriting, customer support, product, sales and/or other team members; as requested, researches routine to more difficult policy, coverage and eligibility provisions; develops and communicates provision findings, analyses and/or recommendations to appropriate internal and/or external contacts .

• Participates in and/or actively assists with “special” Company projects, including CAT planning, organization, and preparation, vendor management or others, as directed.

• Dynamically enhances Company’s success by taking advantage of learning and development opportunities and personally integrating positive actions to improve individual performance.

Requirements

Strong skill sets in the following areas: effective decision-making; time management/working under tight deadlines; information and financial review and analyses; organization; problem analyses/solving; active listening; asking productive questions with an ability to apply learned information to a variety of related or similar situations; oral and written communication; interpersonal communication.

Strong knowledge of: advanced understanding of personal lines products, including residential homeowners and personal umbrella products; depending on area of focus, advanced understanding of property-related (1st party) and/or liability-related (3rd party) principles, practices, processes and terminology; business writing, grammar and punctuation rules; telephone and email business etiquette rules; desktop computer operations; standard business software and web-based engine operations (e.g., Microsoft Word, Microsoft Excel, Microsoft Outlook and Internet Explorer). MS Access, MS PowerPoint a plus. Thorough knowledge of Xactimate required.

For external candidates applying to a Claims Analyst III position: Bachelor’s Degree and five or more years residential property (1st party) or liability (3rd party) experience or equivalent. Must hold a current 6-20 Claims Adjuster or equivalent (for other applicable states) license, as required by job opening.