Job Description: Insurance Claims- Property Field Adjuster

Mutual Underwriters is a dynamic insurance organization building cutting edge product solutions for the mutual insurance community and MGA/MGU program partners.  These solutions include offering reinsurance contracts and, in some instances, full stack operations of insurance companies.

Position Summary

This position will be responsible for evaluating, investigating, negotiating, and overseeing insurance claims settlements. This position will report to the Chief Claims Officer. This position is based out of Oklahoma.

Essential Duties & Responsibilities

• Serves as Company’s Field Claims Adjuster in designated company region to investigate and handle property and third-party liability insurance claims.
• Verifies policy coverage; inspects property damage to determine extent of damage and determine appropriate compensation as required.
• Interviews and records statements of claimants and witnesses to gather pertinent information; as necessary, consults and confers with outside experts, including engineers, architects, construction contractors and attorneys.
• Negotiates with claimants/third party representatives to settle claims and, upon settlement, issues payout amounts.
• Prepares and reports information related to assigned Claims to Senior Leaders and Carrier contacts.
• May assign claims to Independent Adjusters when required.
• May review IA reports and estimates.
• Provides outstanding service to external and internal customers.
• Utilizes tact, diplomacy and professional communication skills to positively represent the company in face-to-face, telephone and email contacts; per Company claims guidelines, Company quality and time standards and governmental regulations, appropriately and correctly communicates in multiple telephone, email and face-to-face interactions with claimants and other related parties; works with claimants to efficiently and effectively schedule visits.
• Maintains exceptionally thorough, accurate claims files in compliance with governmental regulations and Company standards.
• Utilizes company Information Systems/Programs efficiently and effectively to accurately maintain Claims files and file diaries.
• Actively contributes as a member of the Claims Team by providing assistance and support to assigned claims, underwriting, customer support product, sales and/or other team members.
• Initiates, leads, participates in and/or assists with “special” Company projects, including CAT planning, organization, preparation as needed.
• Dynamically enhances Company’s success by taking advantage of learning and development opportunities and personally integrating positive actions to improve individual performance.

Qualifications

Knowledge, Skills, and Abilities

• 3+ years of property adjuster field experience using Xactimate.
• Ability to perform physical inspections; climb roofs, stoop, bend, etc. Ladder assists used for steep and complex roofs.
• Fluent in English, with good writing and oral communication skills.
• Excellent customer service needed; ability to establish and maintain good rapport with insureds and claimants.
• Able to meet time requirements for 1st Contact, Inspection and Reporting.
• Experience with insurance claims systems including entering notes to track claim files.
• Strong computer skills; work from home, with full home office equipment setup.
• Property Field Adjusting: 3 years (Required)

Education & Experience Requirements

License/Certification:

• Driver’s License (Required)
• OK Adjuster License (Required)

Preferred:

• Experience in residential construction
• Live within 30 miles of OK City

Travel requirements

• 60% travel within the state of Oklahoma.

Physical Demands and Work Environment

Ability to Climb.  Stairs or Ladders to conduct inspections.

Ability to Stoop.  Stoop, Kneel, Crouch, or Crawl in confined spaces.

Ability to Lift.  Ability to lift up to 70 pounds.

Visual Acuity.  Required to have close visual acuity to perform activities such as: preparing and analyzing data and figures, viewing computer terminal, extensive reading.

Talking.  Expressing or exchanging ideas by means of the spoken work. Those activities in which they must convey detailed or important spoken instructions to other workers accurately, loudly, or quickly.