Grinnell Mutual Reinsurance Company

  • FIELD PROPERTY LARGE LOSS CLAIMS SPECIALIST - SOUTHERN MINNESOTA

    Job Locations US-MN-Minneapolis | US-MN | US-SD
    Posted Date 5 months ago(1/7/2019 4:22 PM)
    Job ID
    2018-1390
    # of Openings
    1
    Category
    Direct Claims
  • Overview

    An ideal candidate has experience in all areas of property claim adjustment with a high degree of aptitude and independence. Position will handle a combination of high exposure and complex first party property claims (approximately 40% of the time) as well as routine storm claims (approximately 60% of the time) which require on-site inspection. Conducts exemplary performance in the areas of customer, agency and expert communication. Manages all aspects of claims process from damage identification, expert utilization including but not limited to: Engineers, Forensic Accountants, SIU Investigator, Fire Marshall, Police Department, contractors, personal property experts, Legal Counsel, Department of Insurance Employees, and Public Adjusters.

     

    The primary location for this position is in Southern Minnesota, which may include Sioux Falls, SD, Minneapolis, St. Paul, as well as the southeastern part of the state. This position will be based out of a home office with a company-provided vehicle for travel to the claim sites.

    Responsibilities

        • Manages individual claim inventory and works toward meeting cycle-time goals for closing files in a fair and equitable manner. Claim inventory will require face-to-face contact with customers utilizing a mobile office when appropriate. Claims may include but are not limited to structural damage, hail, wind, smoke, water, tornado, fire and total losses that require extensive investigation due to complex coverage issues, fraud indicators, and involvement of public adjusters or that require specialty vendors (engineers, forensic accountants, legal experts, subrogation teams, law enforcement, etc.)
        • Gathers supporting data including loss scope, appraisals, interviews, police reports, and statements related to the claim, utilizing telephone and written correspondence. Visits the claims scene to take photos, measurements, interviews, etc. to gather information and data related to the claim. May include multiple visits or locations.  
        • Provides the highest level of service to all customers who include policy holders, claimants, agents, loss control, underwriting, and peers. 
        • Investigates the facts of assigned property claims to determine coverage, assess damage, and loss of business income, in a timely and efficient manner.
        • Recognizes when to secure public documents to complete a claim file investigation; secures, preserves, and maintains evidence in a legal manner.

         

        • Evaluates potential financial risk to the company and sets reserves based on current exposure and application of claims expertise. Updates reserves based on additional data or facts gathered.
        • Settles claims in a fair and equitable manner based on policy coverages and in compliance with Unfair Claim Practices Act. Consults with manager proactively if settlement has potential to exceed authority limit. Provides recommendations and requests additional authority as appropriate.
        • Ensures that checks/drafts are issued in a timely manner to assist with efficiently closing claims. Investigates and handles complex fraud files. Involves and coordinates investigation with SIU (Special Investigations Unit) when necessary. 
        • Demonstrates knowledge of underwriting guidelines; inspects risks and makes recommendations to the Underwriting Department as needed.
        • Maintains a complete and well documented file in order to support the decisions and settlement of the claim.  
        • Performs other duties as assigned.

    Qualifications

    • To perform this job successfully, an individual must be able to perform each essential function satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 
    • The property large loss claims adjuster works with many types of people while representing Grinnell Mutual.This can be stimulating yet demanding and stressful especially during high volume claims periods and when working with individuals facing a personal loss. 
    • The position is physically located in the employee’s home office. The position requires an individual to drive on a frequent basis and manage territory by scheduling effectively to meet the customers’ needs and allow flexibility for emergency.   
    • While performing the duties of this job the employee is frequently required to stand, walk, sit, use hands to finger, handle, or feel, reach with hands and arms, climb, balance, stoop, kneel, crouch, crawl, talk, hear, and smell.  
    • The employee must be able to climb a ladder, work on rooftops, and maneuver the ladder as needed. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 25 pounds, and occasionally lift and/or move up to 50 pounds.
    • Specific vision abilities required by this job include distance vision, peripheral vision, depth perception, and ability to adjust focus.
    • While performing the duties of this job, the employee frequently works in outside weather conditions. The employee is occasionally exposed to extreme cold and heat.

     

    Responsibility and decision-making authority:

    • Responsible for settlement within authority level of all assigned files from initiation to close 
    • Defers to manager for approval if assist recommendation includes retaining the services of an independent adjuster, expert, outside counsel or any other vendor.

     

     

    Fiscal responsibility:

    • Resolves and negotiates claims within authority level assigned by manager. Sets reserve on files and tracks amount paid against that limit.
    • Requests additional authority level from manager on a per file basis as required to fairly settle the claim.

     

     

    Contacts (internal, external):

     

    • Works with employees in the home office including management, in-house counsel, property appraisers, and special investigators. May occasionally work with underwriters, finance, and support units.
    • The position has frequent contact with external customers including insureds, claimants, agents, witnesses, field adjusters, contractors, experts and local authorities.

     

     

    Working conditions and physical efforts:

     

    • To perform this job successfully, an individual must be able to perform each essential function satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 
    • The Property Large Loss Claims Adjuster works with many types of people while representing Grinnell Mutual Reinsurance Company. This can be stimulating yet demanding and stressful especially during high volume claims periods and when working with individuals facing a personal loss.
    • The position is physically located in the employee’s home office. Daily travel is required and equates to approximately 50% of time to manage territory. Effectively scheduling time to meet the customers’ needs and allow flexibility for emergency claim events.
    • While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl; talk or hear; and taste or smell.
    • The employee must be able to climb a ladder, work on rooftops, and maneuver the ladder as needed. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 25 pounds, and occasionally lift and/or move up to 50 pounds.

    • Specific vision abilities required by this job include distance vision, peripheral vision, depth perception, and ability to adjust focus.  
    • While performing the duties of this job, the employee frequently works in outside weather conditions. The employee is occasionally exposed to extreme cold and heat.

       

       

     

     

    This job description is not intended to describe, in detail, the multitude of tasks that may be assigned, but rather to give the employee a general sense of the responsibilities and expectations of his/her position.  As the nature of the business demands change, so to may the essential functions of this job.

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