Grinnell Mutual Reinsurance Company

  • FIELD CLAIMS ADJUSTER - NORTH CENTRAL IOWA

    Job Locations US-IA | US-IA | US-IA | US-IA | US-IA
    Posted Date 3 months ago(10/28/2019 1:30 PM)
    Job ID
    2019-1541
    # of Openings
    1
    Category
    Direct Claims
  • Overview

    Investigates claims, negotiates settlements, and authorizes payments to customers for casualty and property losses covered by Grinnell Mutual policy to reach a fair and equitable settlement. Acts as company representative during the claims process providing service primarily in person but may also utilize phone and/or e-mail. Claim load that ranges from easiest to the most complex. 

     

    The job territory consists of 12 counties and towns in Northcentral Iowa: Buena Vista - Storm Lake, Calhoun - Lake City, Clay - Spencer, Dickinson - Spirit Lake, Emmet - Estherville, Hancock - Forest City, Humboldt -Humboldt, Kossuth - Algona, Palot Alto - Emmetsburg, Pocahontas, Sac - Sac City, Winnebago - Forest City

    Responsibilities

     

    • Investigates the facts of assigned property and casualty claims to determine coverages, damages, and negligence in a timely and efficient manner as outlined in Grinnell Mutual claims procedures.
    • Gathers supporting data such as appraisals, interviews, police reports, medical bills, 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.
    • 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 the information gathered during the investigation, without exceeding individual authority. 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 and that liability releases are obtained in a timely manner to assist with efficiently closing claims.
    • Maintains a complete and well documented file in order to support the decisions and settlement of the claim.
    • Operates in accordance with applicable federal and individual state’s fair claim practices and regulations. Stays current with changing legislation, shares knowledge with co-workers and managers, and applies information as appropriate. 
    • Serves as a leader to claims team on claims and company procedures, guidelines, and policies. Assists with training groups or individuals as assigned. May act as coach or mentor. 
    • Researches, analyzes, summarizes, and develops presentations and projects for specific assignments or audiences. Applies new information in day to day assignments and assists others to do the same. 
    • Completes special projects and assignments as assigned by management. Applies innovative solutions and best practices to improve efficiencies.  Utilizes all available resources including cross-departmental, inter-departmental and/or professional organizations. 
    • Performs other duties as assigned.

    Qualifications

     

    • Bachelor's degree from four-year accredited college or university and five years property/casualty claims experience with preference towards field claims experience; or equivalent combination of education and experience. AIC or SCLA designation preferred. 
    • Demonstrates ability to adjust property casualty claims of varying levels from easiest to most complex determined by amount of potential exposure, number of people involved, and severity of claim.  
    • Ability to demonstrate good interpersonal, active listening, and customer service skills to bring claim to a resolution in a timely manner following Grinnell Mutual's claims procedures. Includes being familiar with facts, patient, resistant to stress, persistent, empathetic, and decisive.  
    • Ability to professionally present information and respond to questions in one-on-one or group settings. Checks for understanding and audiences’ ability to apply new information. Communication may be via the telephone phone, in person, or in written correspondence.   
    • Ability to think logically and make decisions regarding claim investigation using personal judgment, experience, and known facts and figures while following claims procedures to determine coverages, negligence, and damages. 
    • Ability to demonstrate superior research and problem solving skills including ability to analyze a situation for multiple solutions and determine the most appropriate course of action. 
    • Demonstrates ability to remain flexible, adapt to change, and remain positive despite potentially stressful conditions.
    • Ability to organize work, determine priorities, and meet deadlines established by claims guidelines while incurring frequent interruptions.
    • Ability to read, analyze, interpret, and apply insurance terminology while reading/reviewing contracts, business periodicals, professional journals, technical procedures, and governmental regulations to daily work. 
    • Ability to calculate figures and amounts such as interest, proportions, and percentages.  
    • Demonstrates ability to work with a variety of people in a harmonious manner, develops strong working relationships, and influences decision-making. Includes co-employees, managers, and the general public.
    • Ability to maintain regular and predictable schedule to meet the needs of our customers and provide adequate coverage during our core business hours. Manages workload and schedule to best serve customer needs. 
    • Ability to work with minimal supervision with remote manager. Demonstrates ability to perform as self-starter and act on own initiative.  Utilizes manager as a resource. Presents information, research and alternate solutions when seeking advice.  
    • Ability to operate basic office equipment, including computers, utilizing specialized claims applications, and Microsoft Office applications.  
    • Ability to maintain a valid driver’s license and travel from the office located in the employee’s home to claims sites or locations related to the claim. Overnight travel is required approximately 20 - 40% of time depending on territory size and claim load. 

    Working Conditions

    • To perform this job successfully, an individual must be able to perform each essential function satisfactorily. Reasonable accommodations may be made to enable an individual with disabilities to perform the essential functions. 
    • The work may be stimulating yet demanding as the senior field adjuster represents Grinnell Mutual to our insureds and claimants. It can also be stressful when experiencing a high volume of claims, when assigned potentially large claims, or when working with many types of individuals facing a loss. 
    • The position is physically located in the employee’s home office. The position requires an individual to drive on a frequent basis.
    • 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.  
    • Occasionally the employee will be required to climb a ladder, work on rooftops, and maneuver a 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 extreme heat. The position requires the employee to occasionally be exposed to wet/and or humid conditions, moving parts, fumes or airborne particles, toxic or caustic chemicals, and risk of electrical shock. Claim investigations at loss sites may include farm locations and may place the claim adjuster in wet, muddy, and dirty conditions.

     

    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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