What are the responsibilities and job description for the Field Senior Claims Representative - Michigan position at Ohio Farmers Insurance Company?
Job Summary
The Claims Senior Representative-Property Field serves as a technical expert on claims adjusting. The role determines coverage and investigates, analyzes, negotiates, and settles claims not requiring outside investigation. The role delivers quality customer service in a high volume, moderate complexity work environment and mentors less experienced Adjusters on the team. Westfield Property Claims resolves first party personal, commercial, and agriculture property claims, including structural damage, business and personal property, and business income losses.
This role is not eligible for visa sponsorship.
Job Responsibilities
- Determines whether proper coverage exists for the type of claim assigned.
- Investigates thoroughly to obtain relevant facts concerning all aspects of the claim, such as coverage, legal climate, potential exposure, and damages, and makes decisions on claim resolution.
- Meets established goals & objectives, arranges for salvage disposition and other recovery proceedings as necessary, participates in claim file reviews and audits with customer and broker.
- Provides support in negotiation of settlements with insureds, claimants, vendors, attorneys, and other insurance companies.
- Manages approved vendors and counsel utilized as necessary in the claim process, including approval of investigation plans and budgets. Monitors, reviews, and issues payments to vendors and counsel in accordance with guidelines and standards.
- Supports to review proper reserves for each claim based upon thorough investigation, evaluation, and experience.
- Identifies and refers all claims to management for further handling and assignment instructions.
- Refers claims exceeding authority to appropriate manager or complex claims specialist with recommendations.
- Formulates sound recommendations for claims file handling, subsequent transactions, and renewal processing.
- Requests additional information from an agent, identifies the need for referral to the field based on underwriting guidelines.
- Maintains effective and ongoing communication with insureds, claimants, agents, attorneys, other insurance companies, representatives, vendors, and company personnel.
- Completes appropriate reports to ensure that the claim status is clearly documented, obtains all necessary documentation to support claim evaluation.
- Interprets complex and detailed documents such as contracts, legal documents, insurance regulations and policies as needed.
- Maintains knowledge of related coverage, law, and legislative environment and trends, participates in professional industry groups staying abreast of industry changes and advancements and incorporates best practices.
- Adjusting first party homeowners and commercial property claims.
- Efficient in use of Xactimate to evaluate first party property claims.
- For field roles only: Travels as often as needed including regular utilization of assigned fleet vehicle in order to cover assigned territory. This may involve traveling on short notice or other daily driving duties as assigned. May be required to travel for extended periods to fulfill storm duty responsibilities.
Job Qualifications
- 4 years of Claims Handling experience.
- Bachelor's degree in Business, Communication, or a related field and/or commensurate work experience.
- For field roles only: Valid driver's license and a driving record that conforms to company standards.
Location
Remote
Licenses and Certifications
- Certified Professional Claims Management (CPCM) (preferred)
Behavioral Competencies
- Collaborates
- Communicates Effectively
- Customer Focus
- Decision Quality
- Nimble Learning
Technical Skills
- Account Management
- Claims Investigations
- Claims Adjustment
- Financial controls
- Case Management
- Customer Relationship Management
- Project Management
- Business Process Improvement
- Auditing
- Data Analysis and Reporting
This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management.
Westfield celebrates diversity and is committed to inclusion. All qualified applicants receive consideration for employment without regard to race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, or status as a protected veteran.