Job Description
Casualty Claim Adjuster Location: Jacksonville, FL, Omaha, NE, or Jericho, NY In Office Position Join our collaborative team where effort and work ethic get noticed. Enjoy a positive, friendly, energetic work environment with accessible leadership, where you will have the opportunity to learn the insurance industry and valuable skills while we invest in your future career with us.
Why Stillwater? Stillwater Insurance Group is a mid-sized national insurance provider offering a variety of home, auto and commercial insurance products in 50 states. We are headquartered in Jacksonville, Florida, with additional offices in New York and Omaha, Nebraska. We offer an up-beat and supportive environment for a new team-member who brings a positive attitude, reliable work habits, attention to detail and an interest in learning. Our employees consistently describe Stillwater as a great company with great people where honesty and integrity are high priorities. Coaching and development, recognition and growth opportunities are some of the benefits of working in our small team environment.
Position Overview: As a Claims Adjuster, you will be responsible for the entire lifecycle of insurance claims, from researching and investigating coverage to final resolution. You will ensure that all claims are managed promptly, professionally, and accurately, with a focus on customer service, effective communication, and thorough analysis. You will also travel occasionally to inspect losses, attend settlement conferences, and conduct field investigations.
Principal Duties & Responsibilities: - Research, investigate, determine and apply coverage on losses covered by a broad range of residential and commercial coverage forms and policies marketed in 50 separate states. verification and detailed analysis of applicable policy/endorsement contract language in comparison to claim facts.
- Promptly resolve all open coverage questions through the investigation process while protecting Stillwater's rights and defenses under its forms.
- Perform sophisticated analysis of damage, liability and coverage questions; write and compose position papers, resolution plans and correspondence timely.
- Ability to generate original composition non-waiver, reservation of rights letters, disclaimers, partial and complete, and other letters material to claim resolution.
- Utilizing the telephone, communicate timely and professionally with all party's material to the claims process. Take telephone calls as they come in regardless of other activities. Return calls to all parties within one hour.
- Think strategically to match the best claim adjusting resource to the claim handling opportunity. This may include the use of remote photo capture applications, remote claim measurement applications, independent adjusters, non-adjuster resources, etc.
- Act swiftly and affirmatively, execute timely appropriate action, when needed, to resolve problems.
- Ensure enterprise financial accountability through timely and adequate claim and expense reserving practices:
- Determine claim values based upon claims handling experience, acquired documentation, legal liability, causation, jurisdictional matters while applying your good judgment.
- Adjust reserves according to projected claim development.
- Timely initiate, conduct, and complete investigations on both transfer and claims assigned from the ground up:
- Complete detailed investigations, at appropriate levels for the individual claims, for the questions, issues, documents, experts needed, and tasks involved to accomplish or facilitate a prompt investigation.
- Provide written task instructions and supervision of outside resources when appropriate.
- Ensure claim files contain sufficient documentation to justify all coverage, liability, damage and claim resolution decisions.
- Recognize and apply fraud indicators and, when justified, refer to S.I.U.
- Collaborate closely with SIU unit and its investigators.
- Identify and initiate timely pursuit of all subrogation and salvage recovery opportunities.
- Follow supervisory guidance on managing the legal expenses of defending and resolving lawsuits as well as avoiding unnecessary litigation:
- Handling of disputed claims include settlement involving AOBs, CRNs, NOIs, demands, and other disputes.
- Draft and timely complete necessary claim narrative reports to the claim files, reinsurers, and claims management.
- Master the litigation process for both first- and third-party losses.
- Strategize and create litigation action plans designed to resolve claims as expediently and by means of the lowest loss cost model.
- Negotiate directly and effectively with the stakeholders and others with authority to settle.
- Perform bodily injury evaluations projecting likely settlement and verdict ranges based on the claim's investigation.
- Use the litigation process sparingly while leveraging your investigative and negotiation skills to resolve claims.
Minimum Job Requirements: - Education : Bachelor's Degree (BA/BS/BBA) or equivalent combination of education and experience.
- Experience : Extensive knowledge of property, auto, commercial, and casualty policies, loss reserving, and development skills.
- Skills :
- Strong analytical, problem-solving, and decision-making abilities.
- Excellent verbal and written communication skills.
- Working knowledge of MS Excel and industry-specific software.
- In-depth understanding of damage estimating and repair techniques for residential construction.
- Exceptional investigation and customer service skills.
- Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
- Licensing : Must maintain adjuster licenses and fulfill continuing education requirements for the states assigned.
- Travel : Occasional travel for inspections, investigations, and conferences.
Apply today to start your journey of being celebrated and valued with Stillwater Insurance Group. Offer is contingent upon a favorable response from both a pre-employment background investigation and a drug screen. Stillwater Insurance Group is an equal opportunity employer and a drug free workplace.
Job Tags
Contract work, Work at office, Immediate start, Remote work,