Senior Claims Liability Analyst (Residential Property)

Description

With minimal supervision, provides outstanding service to Harbor Claims external and internal customers on liability claims; 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 authority levels and time frames, with minimal supervision and adeptly utilizing assigned tools, analyzes liability 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; 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; sets and adjusts reserves, as needed.

When liability claim is outside authority and/or 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; monitors and reviews assigned liability claims in pre-suit and litigation stages; may attend mediations and participates in alternative dispute resolutions.

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 carries out “special” projects either independently or as member of a group, as appropriate.

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

Requirements

Qualities: quality- oriented; detail-oriented; self-starter; team player; multi-tasker; adaptability; flexibility; strong work ethic; positive “can do” attitude; collaborator; financially-oriented; service-oriented; coachable; dependable.

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; advanced understanding of 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.

Bachelor’s Degree and six or more years liability (3rd party) experience or equivalent. A current Florida and/or New York Claims Adjuster license is/are strongly preferred.