Sr. Property Claims Adjuster Field

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This position is eligible to work remotely in the Minneapolis/St Paul, Minnesota area

Exercises independent judgment in the investigation, evaluations, negotiation, and disposition of large and moderately complex to complex commercial property claims, including claims in litigation, within limitations of authority outlined in the Claims Guide. Communicates with insureds, agents, and experts regarding coverage and claim status or questions.

• 1. Promptly investigates and evaluates large and moderately complex to complex commercial property claims and reinsured cyber claims as assigned:
  Reviews and evaluates the claim notice, lawsuits, contracts, and policies to verify coverage, deductibles, claim payee/mortgagees and determines compensability
  Performs field inspections on large and moderately complex to complex commercial property claims as applicable
  Initiates timely contact with insureds and claimants to explain the claims process
  Coordinates with appropriate experts to ensure urgent matters are addressed, such as initial remediation, temporary restoration, business continuation either at the damaged location or at a new temporary business site, preserving evidence, securing origin and cause experts, various engineers, general and subcontractors etc., and multi-party reinspection
  Obtains statements from insureds, claimants, witnesses, and all other pertinent parties
  Documents claim activities, reserve analysis, summaries of reports in the claim system
  Sets timely, adequate reserves using reserve worksheets in compliance with the company reserving philosophy and methodology
  Analyzes business records, such as profit and loss statements, tax forms, financial forecasts, and payroll records to estimate the loss of business income
  Secures all necessary official reports, claim forms, and pertinent documents
  Reviews bills, invoices, and receipts, including legal and litigation related expenses, for accuracy and appropriateness
  Notifies all parties involved that legally require appropriate notice
  Notifies the Claims Supervisor of claims exceeding authority level and requiring assignment to more senior level team member
• 2. Negotiates, settles and/or resolves large and moderately complex to complex commercial property claims:
  Resolves questions of coverage and resolves disputes on repair methods and the value of the claims
  Drafts and sends reservation of rights and denial letters upon manager approval
  Evaluates cause of loss and writes detailed estimates for cost of repairs and value of damaged property, including reviewing discrepancies identified between research and software estimates
  Provides prompt, detailed responses to agents, insureds, and claimants on the status of claims
  Evaluates, analyzes negotiation ranges, and target settlement numbers
  Communicates with insureds/claimants/attorneys to negotiate the settlement of claims
  Performs re-inspection of property files and participates as an adjuster or re-inspector during catastrophic claims operations
  Identifies, investigates, and proactively pursues opportunities for recovery, including arranging of evidence preservation in legal compliance that meets custody, control, transfer, analysis, and disposition of physical and/or electronic evidence
  Recommends appropriate defense counsel to manager and collaborates with assigned attorney on litigation following EMC case handling guidelines
  Identifies potential fraudulent…