Careers: Public Insurance Adjuster

Public Adjuster – General Loss

Job Summary

The Public Adjuster, General Loss effectively determines and communicates the extent of loss or damage associated with commercial and residential claims in a variety of classes. The Public Adjuster, Large Loss investigates commercial and residential property claims, evaluates damages, determines coverage, creates accurate loss estimates, identifies the need for and manages project-specific consultants, and achieves a prompt, fair, and equitable settlement according to fair claims handling requirements. Negotiates settlement of claims with varying complexity and perils.

Candidate Profile

Education and Experience

• Bachelor’s Degree; 5 years experience in the property insurance field or related professional area.
• Licensed as a Public Adjuster in the State of Texas.

Other Required Skills

• Ability to understand claims adjudication process.
• Minimum of five (5) years of experience in commercial and/or residential property adjusting or other insurance-related work.
• Sound knowledge of commercial and residential construction industries.
• Knowledge of property claim law; skills in analyzing, interpreting, synthesizing, prioritizing, and reporting pertinent information and discerning the essential from the non-essential.
• Research and investigative abilities; negotiating, conflict resolution, and persuasion abilities.
• Advanced estimating skills within Xactimate.
• Knowledge of advanced functions of a word processing package and may require a working knowledge of other business software packages, including spreadsheet and graphics packages.

Core Work Activities

• Investigates commercial and residential insurance claims in a variety of settings across a variety of loss types.
• Uses knowledge of property and construction, and/or knowledge of the specific industry or business affected, to personally conduct property inspections and photograph claim sites as necessary to depict and substantiate losses or damage, or the lack thereof.
• Obtains necessary information from the claimant and from experts such as architects, engineers, builders, construction workers, police officers, accountants, and others to fully and accurately assess the extent of a loss.
• Works cooperatively with expert witnesses, attorneys, adjusters, and carrier examiners as needed to conduct investigations, confirm findings, and support evaluations.
• On-board new clients by selling and obtaining contracts, gathering loss information, performing data entry, and providing the clients with an explanation of the company practices and procedures.
• Applies understanding of insurance policies and policy interpretation, establishing appropriate loss estimates based on all relevant information and findings.
• Recommends and completes an accurate, reasonable, and proper amount the insurance company should pay on a claim via Xactimate.
• Ensures the accuracy of information collected and reported and guards against fraudulent claims, based on critical issues identified and accurate conclusions drawn.
• Prepares accurate, clear, thorough, and concise reports and letters to insureds, insurance carriers, and third parties as needed on conclusions and recommendations.
• Maintains accurate, thorough field notes, journal entries, and time and expense records as required.
• Answers telephone line(s); provides callers with responses to all types of requests, both routine and those requiring research and follow-up; directs calls to the appropriate person or takes messages.
• Develops alternative methods to handle requests and address ambiguous issues. Routinely responds directly to the caller after performing research or follow-up.
• Responds to all emails that are relevant to the job description and of service to the claim in a timely and professional manner.
• Identifies areas where new administrative policies and procedures may be necessary within a department. Performs research and follow-up necessary to solve problems encountered. Initiates the project to develop the new policy or procedure.
• Sets priorities and establishes procedures for completing responsibilities.
• Resolves and determines the urgency level of conflicting priorities. Prioritizes aspects of the work.
• Maintains company CRM and customer log files as often as necessary to document and communicate the claim’s current disposition.
• Maintains company calendar within job purview.
• Routinely communicates with True View Commercial ownership and staff in an effort to maintain the overall success of projects and business functions.