Claims Specialist II - Property Field

The Claims Rep ll - Property Field position is responsible for investigating, evaluating, and settling property and casualty claims within an assigned territory. This position is responsible for conducting timely and thorough investigations, verifies applicable coverages, analyzes applicable coinsurance and deductible, estimates damages and evaluates for reserve and settlement, and brings claims to a resolution in accordance with claims best practices.

The Claims Rep ll - Property Field position demonstrates a strong desire to learn and grow, promotes a positive work environment, and buys into a strong service mentality to both internal and external customers. This position requires strong communication skills, attention to detail, and the ability to handle multiple tasks efficiently and effectively.

• Responsibilities;
• Review new claims assignment to determine the nature and severity of the claim and action required.
• Review and interpret applicable policy coverages. If coverage issues are present review with leader or mentor for proper course of action.
• Make prompt, meaningful contact with insureds, witnesses and other parties of interest.
• Conduct field investigations for assigned claims.
• Conduct a timely and thorough investigation to identify risks / exposures and damages through securing recorded statements, compile and review investigation reports and securing and reviewing other evidence where the investigation leads you and in accordance with claims best practices.
• Vet, select and retain experts when necessary and approved. Be constantly aware of and apply expense management initiatives.
• Complete building evaluation ITV based on Property Guideline to determine if coinsurance is applicable
• Determine scope of damage and prepare an estimate using Xactimate. Duties include site inspection, diagram, and photographs.
• Negotiate with contractors or repair facilities regarding the extent of damage and method of repair
• Evaluate damages and recommend reserves per reserve timeliness and accuracy guidelines.
• Document all file activity through detailed file notes and prepare reports for the claim file per claims best practice guidelines.
• Determine and communicate coverage decisions with all relevant parties.
• Inform underwriting of increased hazards or unusual circumstances concerning a risk / policy exposure.
• Resolution of claims through effectively negotiating, settling and / or denial.
• Actively identify subrogation potential and posture claim for successful subrogation recovery.
• Foster and maintain relationships with underwriting, risk control, marketing and the independent agency force.
• Participate in continuing educational programs and other educational opportunities to develop knowledge and skill.

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Working Conditions :

Incumbents may be required to work irregular hours to complete claim assignments, evenings and / or weekends. May require overnight travel, including assignments to catastrophe adjusting teams, sometimes on short notice.

Disclaimer :

The above statements are intended to describe the general nature and level of work being performed by individuals assigned to this job. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and skills required. Additional task and requirements may be assigned, as necessitated by business need. UFG retains the right to modify the description of this job at any time.