What are the responsibilities and job description for the Associate Casualty Claim Representative position at Hastings Mutual?

Hastings Insurance is currently looking for an Associate Claim Representative to join our Casualty team! The individual in this role investigates, evaluates, negotiates, and resolves Personal, Commercial, and Farm claims through effective research, negotiation, and interaction with policyholders, claimants, and agents in accordance with the Company's contractual and legal obligations while providing an outstanding customer experience.

Position Location & Work Format

This position will work from our Hastings, Michigan offices in a hybrid (combination of work-from-home and in-office) arrangement. However, we will also consider candidates who reside in Illinois, Indiana, Michigan, Ohio, or Wisconsin to work remotely. Regardless of the work location, this position will work during Hastings normal business hours of Monday - Friday, 8 : 00am - 4 : 30pm.

Position Duties & Responsibilities

Manages a pending inventory of claims and ensures they are properly adjudicated to resolution.

Handles low and occasionally moderately complex first-party Personal, Commercial, and Farm property claims by phone, mail, or with the use of virtual adjustment tools and techniques.

Complies with all state and federal regulations, Core Values, and established processes and guidelines.

Facilitates the claim process and resolves claims in a timely manner by initiating and maintaining positive and productive communications with agents, claimants, and policyholders.

Prepares necessary correspondence to settle claims with policyholders or their legal representatives and issues indemnity and expense payments with accuracy.

Appropriately reviews and applies coverage / compensability for all claims.

Minimal independent, outside coverage analysis only as approved by the Manager or Director.

Investigates, evaluates, and settles claims within the scope of the Company's contractual and legal obligations to ensure that settlements are fair and equitable to the insured, claimant, and the Company.

Determines root cause of loss, subrogation and salvage potential, and any suspicious circumstances on low and sometimes moderately complex property claims.

Conducts recorded interview(s) of insureds and witnesses, obtains police reports and other related documents, and coordinates or directs experts.

Determines coverage by interpreting the policy contract, all applicable forms / endorsements, and adjusts all elements of the claim, including ALE, scheduled property, and claims involving coverage questions.

Ensures salvage and subrogation opportunities are identified and pursued in order to minimize claim losses.

Utilizes all appropriate loss and expense savings programs and directs the activities of outside vendors to ensure only necessary and cost-effective work is accomplished

Scopes claims that asking probing questions and obtaining supporting information can be done virtually to write personal property and small building loss estimates.

Accurately and thoroughly document all claim files in the Claim system of record to substantiate the disposition of the claim and minimize the possibility of erroneous payments.

Establishes and maintains appropriate case reserves sufficient to fund the payment of the claim once it is resolved whether through settlement, litigation, or arbitration.

Identifies potential fraud and refers to the appropriate authority.

Interacts with outside experts such as surveillance companies, independent adjusters, and special investigators.

Coordinates relevant claim information with Loss Control, Underwriting, Marketing, etc., to maximize the Company's effectiveness.

Actively participates in professional development, i.e. continuing education or self-improvement.

Other duties as assigned by leadership, either verbally or in writing.

Candidate Requirements & Qualifications

Bachelor's degree is preferred or equivalent work experience.

Demonstrated PC skills including proficient use of Microsoft Office products.

Demonstrated excellent verbal, written, and interpersonal communication skills.

Ability to work independently and cultivate an environment of teamwork.

Demonstrated customer service skills.

Demonstrated critical thinking skills and the ability to be decisive.

Ability to effectively manage conflict.

Good time management and organizational skills with the ability to prioritize and complete work and / or projects effectively.

About Us

At Hastings Insurance, our balanced corporate strategy focuses on implementing emerging technologies, cultivating strong independent agency relationships, and providing the right products to our policyholders.

We seek to strategically grow our product lines and continue to expand geographically while maintaining our financial stability and innovative nature.

Our talented employees are dedicated to providing excellent customer service to our agent partners and policyholders. Many of our employees have been identified as industry experts, and we value the knowledge and skill that they contribute to our success.

For more than 135 years, Hastings has helped our customers protect their valued assets and rebuild after devastating losses. We are proud to be rated an A (Excellent) insurance carrier by A.M. Best Company.

Our Commitment as an Employer

We value the strength of a diverse and inclusive workforce. Hastings Insurance is committed to providing equal opportunity for all employees and candidates in a work environment that does not tolerate discrimination or harassment. Decisions related to employment are based on business needs, position requirements, and individual characteristics without regard to appearance, nationality, origin, race, color, religion, gender, sexual orientation, age, body, disability, veteran, family, marital status, or any legally protected class.

Hastings Insurance seeks to provide reasonable accommodation to disabled individuals in the hiring process in compliance with federal, state, and local law. Candidates requiring accommodation to complete their job application or participate in the interviewing process are asked to notify the Talent Acquisition Specialist or contact us at 800-442-8277.

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