What are the responsibilities and job description for the Large Loss Property Claim Specialist - Southern Michigan position at Hastings Mutual?

Hastings Insurance is seeking an experienced property claims professional to join its Large Loss Property Claim team! The individual in this role investigates, evaluates, and resolves large and complex property claims within the Company's contractual and legal obligations while providing exceptional service and ensuring appropriate payments to our customers.

Position Location Details

The Large Loss Property Claim Specialist is a remote-based position that will handle claims primarily within the State of Michigan and northern Indiana.
This role will handle moderate to severe commercial, farm, and personal line claims, typically having exposures exceeding $250,000 and / or being of a complex nature and / or involving non-standard coverages. Managing an annual claim volume of approximately 45 to 60 claims, the Large Loss Property Claim Specialist controls significant legal expenses and regularly contacts and interacts with defense and plaintiff attorneys, agents, insureds, experts, vendors, and other internal and external customers.
Generally, this position will work within our standard office hours of Monday through Friday, 8 : 00 a.m. to 4 : 30 p.m. However, due to the nature of the business, work outside of these hours does take place.
Given the territory this position will service, the individual in this role must reside in or be able to relocate to the southern half of Michigan's lower peninsula, ideally along or south of the I-96 / I-69 corridor. A company vehicle, laptop, cell phone, and other necessary equipment are provided to perform the position's duties.

Position Duties & Responsibilities

Manages a personal caseload of claims, which may include litigation, to ensure the proper adjudication or settlement of those claims.

Facilitates the claim process and resolves claims in a timely manner by initiating and maintaining positive and productive communications with all customers.

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, the claimant, and the company.

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.

Accurately and thoroughly documents 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 surveillance companies, independent adjusters, and special investigators.

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

Serves as a technical resource for other adjusters on coverage issues, reserves, exposure, settlement value, and strategy when appropriate.

May assist in departmental training.

When requested, provide guidance and work delegation in the absence of the Claim Supervisor.

Participates in special projects and committees.

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 and Qualifications

Bachelor's degree or equivalent insurance education and work experience are required.

Ten years minimum of increasing claim experience, with a minimum of five years in commercial claims and three years working with files in litigation.

Professional designations such as Associate in Claims (AIC), Senior Claim Law Associate (SCLA), or Chartered Property Casualty Underwriter (CPCU), or be actively working towards a designation.

An ability to travel, including overnight travel, to claim sites is required.

Demonstrated excellent verbal and written communication ability.

Ability to work effectively both independently as well as in a team.

Demonstrated customer service skills.

Demonstrated critical thinking skills and the ability to be decisive.

Ability to effectively manage conflict.

Ability to organize and facilitate training.

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 skills 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 any form of 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.

Salary : $250,000

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Large Loss Property Claim Specialist - Southern Michigan

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