This Large Loss Property Field Adjuster role will be staffed in California (San Francisco or other major metro area - LA, San Diego). This will be a work-from-home position that comes with a company vehicle. Ideal candidates will possess at least 5 years of experience handing personal lines Property insurance claims. Field claims experience is strongly preferred.
JOB SUMMARY: Functions as a personal lines property claims specialist to evaluate, negotiate and bring to final resolution serious exposure large loss claims requiring investigation, liability evaluation and negotiation. Promotes and provides "On Your Side" customer service. Oversees control and supervision of suit files to conclusion and oversees the activities of defense counsel. Expedites settlement and control of average loss cost and litigation expense in compliance with best claims practices.RELATIONSHIP: Reports to Reports to Claims ManagerDIRECT REPORTS: None
JOB RESPONSIBILITIES:1. Promptly and effectively handles to conclusion assigned claims with little to no direction and oversight which may include complex and catastrophic casualty losses.Promptly and effectively handles to conclusion all assigned claims with little to no direction and oversight. Makes decisions within delegated authority, recommends settlement values in the disposition of serious and sometimes complex claims as outlined in company policies and procedures. Adheres to high standards of professional conduct consistent with the delivery of superior service.2. Accurately pays claims based on policy provisions, state mandates and/or fee schedules.3. Determines proper policy coverages and applies best claims practices to conclude assigned cases in accordance with company guidelines. Adheres to high standards of professional conduct while providing delivery of superior claims service.4. Opens, closes and adjusts reserves in accordance with company practices designed to ensure reserve adequacy. Recommends Special Reserves where necessary.5. Maintains current knowledge of: court decisions which may impact the claims function; current principles and practices in the claims function; material damage techniques and repair technology innovations; and policy changes and modifications. May be required to maintain knowledge of other functions within assigned discipline. This may require attendance at various seminars or training sessions.6. Maintains current knowledge of local industry repair procedures and local market pricing.7. Serves as a mentor to less experienced claims associates and assists with training/presentations as assigned by claims management.8. Creates ans analyzes severe incident reports, reinsurance reports and other information to home office, claims management, and underwriting.9. Partners with SIU and Subrogation to identify fraud and subrogation opportunities. Assists or prepares files for suit, trial, or subrogation. (Property/MD/Casualty).10. Manages or prepares files for suit, trial or subrogation.11. Consults claims staff and defense counsel for discovery processes, suit file/trial strategy as related to case-specific issues.12. Initiates and conducts follow-ups via proficient use of the claims systems and other related business systems.13. Delivers a positive On-Your-Side customer service experience to all internal, external, current and prospective Nationwide customers.14. Able to act for the Claims Manager; provides leadership to less experienced claims associates; provides one-on-one training.15. Other duties as assigned.JOB REQUIREMENTS:
Education: Undergraduate degree or equivalent experience preferred. Advanced degrees in law or related discipline desirable.
Licenses/Designations: Successful completion of required claims certification schools/courses. Professional development such as IIA or CPCU preferred. State licensing where required.
Experience: Five years experience handling property claims, insurance processing or field claims adjusting.
Knowledge: Proven knowledge of insurance theory and practices, insurance contracts and their application. Advanced knowledge of causality claims best practices, medical terminology and the legal aspects of court procedures affecting legal liability for all lines of insurance. Excellent customer focus and proven ability to proactively meet customer needs. Analytical skills necessary to make decisions and resolve conflict in application of coverage, laws of jurisdiction to investigation facts, policy exclusions and exceptions. Ability to establish repair requirements and cost estimates for extensive losses and serves as a subject matter expert on respective claims projects. Proven organizational skills to effectively prioritize increased and more complex workloads.Demonstrates strong but flexible standards and can can be seen as balanced based on the conflicting demands of the position. Excellent written and verbal communication skills necessary to effectively communicate and/or negotiate with various audiences. Demonstrated leadership capabilities to effectively train, coach, and provide feedback to less experienced associates.
Skills/Competencies: Proven ability to meet customer needs and provide exemplary service by informing customers of the claims process and ensuring a positive customer experience. Proven analytical skills necessary to make decisions and resolve conflict in such areas as application of coverage to submitted claims, application of laws of jurisdiction to investigation facts, application of policy exclusions and exceptions. Proven ability to establish repair requirements and cost estimates for extensive material damage losses and serves as a subject matter expert on respective claims projects. Proven organizational skills to effectively prioritize increased and more complex workloads. Demonstrates strong but flexible standards and can act different, can be seen as balanced based on the conflicting demands of the position. Excellent written and verbal communication skills necessary to effectively communicate and/or negotiate with policyholders, claimants, repair persons, attorneys, agents, and general public. Demonstrated leadership capabilities to effectively train, coach, and provide feedback to less experienced associates. Proven ability to operate personal computer with proficient use of claims and business software.Values: Regularly and consistently demonstrates the Nationwide Values and Guiding Behaviors.
Staffing Exceptions to the above Minimum Job Requirements must be approved by: Business Unit Executive and Human Resources.JOB CONDITIONS:
Working Conditions: Normal office or field claims environment. Representatives may be required to operate an automobile and have a valid driver's license with a safe driving record. Must be able to make physical inspections of property loss sites. Must be able to climb ladders, balance at various heights, stoop, and bend and/or crawl to inspect vehicles and structures. Must be able to work out-of- doors in all types of weather. Must be willing to work irregular hours and to travel with possible overnight requirements. May be on-call. Must be available to work catastrophes (CAT). Extended and/or non-standard hours as required.
Credit/Background Check: Due to the fiduciary accountabilities within this job, a valid credit check and/or background check will be required as part of the selection process.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.Job Evaluation Activity: Edited 5/2/11 JTG
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