Claims Representative Remote; St. Louis, Missouri

Claims Representative – Full Time, Remote (St. Louis, Missouri)

Join SCM Insurance Services as a Claims Representative. This entry‑level position involves investigating and settling personal property damage claims while utilizing state‑specific guidelines.

Reporting to a Claims Supervisor, you will investigate new claims, make coverage decisions, evaluate settlements, and maintain compliance with state regulations. The role emphasizes strong communication and customer service.

• Initiate the investigation of new claims
• Make coverage decisions based on the Named Peril Policies
• Evaluate settlements of personal property damage as appropriate.
• Establish contact with the insured and storage facility within established protocol.
• Recognize coverage issues and bring them to the attention of the supervisor.
• Develop a basic understanding of all entities under this program and their corresponding certificates and policies.
• Recognize state‑specific laws and claims regulations throughout the United States to ensure proper compliance in claims investigation, including sending and securing proper documentation.
• Respond to time‑sensitive material, including but not limited to Department of Insurance complaints.
• Manage a diary system to systematically review and resolve claims within the specified state and client compliance guidelines.
• Maintain state license by completing continuing education coursework and/or working toward a claims designation.
• Other duties as assigned by the claims supervisor.
• Duties may be added, deleted or changed at any time at the discretion of management.

• High School Diploma or Equivalent required;
  Bachelor’s degree is preferred.
• Experience with Lloyd’s of London is considered an asset.
• Proficient in Microsoft Office.
• Experience with a variety of insurance policies is a plus.
• Able to be licensed in states or countries where necessary.
• AIC designation preferred.

• Use of clear, rational thinking supported by evidence to audit fees of independent adjusters, appraisers, and other vendors for proper expense management.
• Strong writing skills and proper use of grammar to prepare written status reports and document claim file notes clearly.
• Ability to plan and exercise conscious control over the amount of time spent on specific activities.
• Strong communication (verbal and written).
• Ability to multi‑task and handle high volume of concurrent tasks.
• Work collaboratively with others inside and outside the company.

• Only U.S. residents will be considered.
• Dynamic environment with tight deadlines, changing priorities.
• All prospective employees must pass a background check.
• Office environment with prolonged periods of computer use.
• Location:
  
  Remote working; may require some travel to a home office, etc.

• Seniority level:
  Entry level
• Employment type:
  
  Full‑time
• Job function:
  Finance and Sales
• Industry: Insurance

SCM Insurance Services and affiliates welcome and encourage applications from people with disabilities. Accommodations are available on request for candidates throughout the recruitment and assessment process.