Property Adjuster

Overview

The property adjuster I provides prompt, courteous, and fair claim service on major property claims within all territory handled out of the district claim office to which he/she is assigned. Will also function as a catastrophe team member when the team is mobilized. All job activities should be carried out in a professional manner consistent with company policy and supervisory instruction.

To see the impact you could make in a Claims role at KFB, please watch our Claims Careers Video.

• Support the corporate strategy of our commitment to the member relationship.
• Support the strategic mission of the Claims function as it relates to goals for the organization.
• Exhibit the Guiding Principles in your daily work.
• Develop and maintain relationships with the agency force and support the agencies through sound and effective claim management practices.
• Handle all claims in accordance with the provisions of the Unfair Claims Settlement Practices Act and in an ethical and compliant manner.
• Review loss reports, and confirm coverage.
• Conduct prompt and thorough investigations of losses.
• Maintain and thoroughly document electronic claim files to support actions taken.
• Maintain adequate reserves and active diaries on all files.
• Inspect damaged property and prepare written estimate of damage.
• Promptly evaluate and resolve claims through settlement or denial.
• Visit agency offices on a regular basis.
• Actively pursue salvage recovery.
• Assist subrogation unit with subrogation recovery.
• Assist the special investigative unit with suspicious claims.
• Report claims in accordance with reporting guidelines or as requested by supervisory personnel.
• Prepare for participation and assist with litigated claims as required.
• Handle claims in compliance with statutes, regulations, and case law.
• Maintain estimating equipment and software.
• Serve as a catastrophe team member or assist in other claim offices or locations as required.
• Regular, predictable attendance.
• This list of essential functions is non-exhaustive and may be supplemented as necessary.

• Promptly respond to all complaints.
• Report immediately the receipt of all summonses.
• Report incorrectly rated policies or poor risks to the PARM (Underwriting).
• Submit timely and accurate expense reports and mileage reports.
• Attend and participate in company claim meetings, seminars, and continuing education activities.
• Develop and maintain knowledge of building repair industry, property policy contracts, court decisions, and industry trends.
• Maintain and properly use company facilities, equipment, supplies, and vehicles.
• Follow company guidelines related to personal use of company vehicles.

Physical demands: Normal vision/hearing (with or without correction);
Sitting;
Standing;
Speaking;
Mobility;
Driving an automobile;
Climbing ladders;
Prolonged periods away from home.

Mental demands: Analytic reasoning;
Prolonged concentration.

Environmental factors: Working outdoors;
Extreme cold (below 32 degrees) and heat (above 90 degrees) for more than one hour;
Standard office lighting, temperature and noise.

Equipment: Automobile;
Camera;
Computer;
Telephone;
Ladder.

• Combination of formal education, training, and experience to acquire knowledge and skills generally equivalent to those possessed by a four‑year college graduate. Bachelor’s degree preferred.
• Ability to interpret property policy contracts and legal documents.
• Knowledge of the building repair industry.
• Knowledge of computerized estimating systems preferred.
• Strong written, verbal, and listening communication skills.
• Ability to make timely decisions.
• Obtain Kentucky Staff Adjuster License within six months of employment.
• Valid driver’s license and good driving record.
• Good negotiation and public relations skills.