Insurance Adjuster Job Descriptions, Average Salary, Interview Questions

About the role

We’re looking for an ambitious and self-motivated individual who is interested in helping ABC Company deliver a world-class claims experience. As a Claims Adjuster, you will own the day-to-day responsibilities of processing claims that occur at ABC Company. You will also work closely with internal and external stakeholders to set a new standard for claims resolution.

If you are a motivated individual who likes a high degree of autonomy, the opportunity to join a fast-growing startup, and the chance to provide excellent customer excellence and make an impact in the claims process, this role is for you!

What you’ll do

• Prepare subrogation demands to submit to the appropriate party
• Utilize multiple mediums to communicate with key stakeholders
• Maintain clear and concise diary notes to manage files in a timely manner
• Create and monitor payment arrangements for customers when necessary
• File claims with a collections agency when appropriate
• Process refunds to customers when applicable
• Work cross functionally with Finance, Vehicle Operations, Markets and other teams as applicable

Required

• Minimum 2+ years of experience in claims handling or collections, including claims terminology
• Excellent customer service skills through verbal and written communication
• Ability to adapt to new processes and policies on an individual and team basis
• Strong organizational, file and time management skills
• Basic computer knowledge

Preferred

• Exposure to working in a task-based claims system
• Prior knowledge of reviewing and discussing line-item estimates
• Experience working in a fast-paced startup environment
  

Attributes that we look for, and that match the team you will be joining

• Passion: You strive to love what you do and are highly self-motivated to achieve your goals.
• Ambition: You are ridiculously ambitious and want to get the most out of your life.
• Curiosity: You’re the kind of person who wants to know how everything works. You love to learn new things every day and are always thinking about ways to improve.
• Hustle: You go above and beyond and put the pedal to the metal to get things done with your results-driven attitude.
• Data: You like to work analytically and make data-informed decisions.
• Social: You have the ability to build relationships quickly with your outgoing and confident personality.
• Creative: You are creative in finding solutions for your challenges.
• Humility: You know that you’re part of a community that’s building something awesome and are willing to seek help or guidance when necessary.
• Organization: You’re not easily overwhelmed because you have the organizational skills to juggle multiple tasks.

As a member of the Field Property Claims Team, you will play a vital role in providing an outstanding customer experience by using your investigative and negotiation skills to resolve a variety of homeowner claims in a fast paced, detail-oriented, team environment. In this role, you will travel to the loss site to conduct thorough analysis. Every day is a new exciting challenge, as our Field Property Claims Adjusters use cutting edge homeowner’s products and services to help our customers through the claims process.

In this role, you will:

• Investigate and determine coverage onsite of loss and adjusts all elements of Property Loss claims of moderate-high severity.
• Handle moderate- severe complexity claims assigned under little supervision.
• Investigate and evaluate onsite to resolve complex coverage and damage issues to include preparing complete estimates of repair for the covered damages.
• Explain coverage of loss, assists policyholders with itemization of damages, emergency repairs and additional living arrangements.
• Works with and may coordinate a number of vendor services such as contractors, emergency repair, cleaning services and various replacement services.
• Identify suspicious losses. Recommend referral to SIU where appropriate and may assist the SIU in their investigation and settling of the claim.
• May be called upon for catastrophe duty.

This role might be for you if you have:

• Working knowledge of claims handling procedures and operations.
• Demonstrated understanding of building construction principles.
• Proven ability to provide exceptional customer service.
• Effective negotiation skills.
• Ability to effectively and independently manage workload while exhibiting good judgment.
• Strong written/oral communication and interpersonal skills.
• Computer skills with the ability to work with multi-faceted systems and analytical skills.
• The capabilities, skills and knowledge required is normally acquired through bachelor’s degree or equivalent experience and at least 1 year of directly related experience.
• Ability to obtain proper licensing as required.

What you will be doing at ABC Company

• Gathering and evaluating complex coverage information, taking recorded statements, securing police reports, repair estimates and other related documents.
• Conduct electronic and telephonic investigation along with assigning field appraisers to assist with investigations as well as handle non-attorney represented injury claims.
• Evaluating property damage and Bodily Injury, determining coverage and liability. Negotiating and settling Bodily Injury and liability claims.
• Ensure legal compliance by following guidelines, company policies, and state and federal insurance regulations.
• Initiate investigation of claims involving complex coverage claims, complex liability, and/or bodily injury claims (non-attorney represented), as well as questionable claims.
• Resolve claim by approving or denying documentation; calculating benefit due; initiating payment or composing denial letter.

Education

• Bachelor’s degree preferred.

Experience

• 2 or more years of experience in Auto Insurance as a Claims Adjuster is required.
• Prior experience interpreting policy language and state statutes is required.
• Proven track record of making sound coverage and liability decisions.
• Experience handling minor to moderate complexity claims.
• A valid State Adjuster License where required.
• Bilingual (English/Spanish) preferred.

Other skills and abilities

• Excellent verbal and written communications skills
• Ability to manage own time while prioritizing multiple tasks
• Ability to remain calm when dealing with difficult customers
• Effective negotiating skills
• Ability to gather and analyze information in order to evaluate results and choose the best solution to the problem.

Required behaviors for all positions

• Communicate with co-workers, management, customers, vendors, and others in a courteous and professional manner
• Conform with and abide by all Company codes, regulations, policies, values, work procedures and instructions