PROPERTY CLAIMS ADJUSTER - INSPECTOR - FARGO, ND

The primary location for this position is in Fargo, North Dakota, or within a 100-mile radius to the north along the I-29 Interstate.

The Property Claims Adjuster-Inspector adjusts property claims as part of Reinsurance Adjuster Program for assigned mutuals. Determines coverage by consulting policy in force and endorsements, evaluates loss by completing on-site investigations, and settles claims according to Grinnell Mutual Claims procedures.

This position is based out of your home with a company-provided vehicle for travel to the claim sites. Grinnell Mutual employees and their family members enjoy a comprehensive health benefits package that reduces premiums for commitment to a healthy lifestyle, along with a full suite of disability and life insurance and a 401(k) program with a company match. Property Claims Adjusters receive a one-time home office reimbursement up to $1,000 to set up their remote home office and monthly internet expenses paid by the company. Grinnell Mutual offers a flexible work environment and paid holidays where the office is closed. Please note that candidates must be eligible to work in the U.S. without Grinnell Mutual sponsorship. 

• Investigates property claims for both farm and home owners through on-site investigation and interviews with claimant, insured, and witnesses to determine the extent of damage.

• Determines proper policy coverages, and where necessary, investigates, evaluates, negotiates and equitably settles all assigned claims cases in accordance with company policies and procedures at values commensurate with damages sustained. Sets reserves based on estimated loss for claim.

• Organizes and manages time effectively to ensure the prompt and successful resolution of all assigned cases, maintaining high standards of professionalism to deliver exceptional service.

• Prepares and submits initial and follow-up reports of findings and action taken on each assigned claim in conformity with established procedures. Documents file with activity, contacts, offers, and demands related to claim. May be asked to assist or prepare file for subrogation, suit, or trial.

• Works with law enforcement to verify items stolen and confirm payment/ownership if recovery is made following claim payment, file written request for restitution in all arrests including vandalism claims.

• Cultivates and maintains strong relationship with Agents and Mutual Managers, serving as a liaison between the customer and Grinnell Mutual. Supports the evaluation of mutuals for future business opportunities and conveys feedback from the Mutual to the supervisor.

• Conducts on-site field inspections determining building values, making recommendations of risk acceptability, identifying hazards, and recommending appropriate corresponding corrective action.

• Recommends proper building insurance to value based on inspection. Works with underwriting to determine insurability and providing documentation on the condition of the property through photographs and diagrams.

• Authorizes and/or approves all claims payments within the delegated authority or within the maximum limits as outlined in company policies and procedures. Setting and maintaining reserves through resolution of the claim.

• Accountable for managing the settlement process of all assigned files from start to close. 

• Performs other duties as assigned.

• High school diploma, general education degree (GED), or equivalent combination of education and applicable work experience.  Minimum of two years’ experience in property adjusting (home and farm owners), construction, estimating or insurance. Associates or Bachelors degree preferred.

• AIC or CPCU designations preferred.

• Prefer experience with Xactimate or similar computer based adjusting tool.

• Possesses excellent interpersonal, active listening, and customer service skills to efficiently resolve claims. This includes being knowledgeable,  patient, resilient under pressure, persistent, empathetic, and decisive.

• Ability to professionally communicate claim information and respond to inquiries in both one-on-one and group settings, whether over the phone, in person, or through written correspondence.

• Demonstrates strong written communication skills, using proper grammar and professionalism in business correspondence and reports directed to the file or the mutual.

• Skilled in applying logical thinking and sound judgement, drawing on experience and factual information to make informed decsisions on claims. Follows established procedures to assess coverage, determine negligence, and evaluate damages.

• Ability to organize work, determine priorities, and meet deadlines while incurring frequent interruptions.

• Demonstrates the ability to collaborate effectively with colleagues and supervisors, while interacting with customers and the general public in a tactful and courteous manner.

• Ability to maintain a valid driver’s license and travel from the office located in the employee’s home to Grinnell Mutual customer offices or claim sites. Daytime travel approximately 60 to 80% of the time. Occasional overnight travel is required approximately 10% of time depending on region size and/or number of claims incurred in concentrated area

• Regular and predictable attendance is required to effectively meet the customers needs.

• Must be able to maintain confidentiality of sensitive or proprietary information.

• Demonstrated ability to adhere to all Grinnell Mutual policies.

• Demonstrated ability to incorporate Grinnell Mutual core values in all areas work.

The salary range for the position is $51,00.00 - $88,300.00. For a list of benefits, click here.

• 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 Claims Adjuster works with many types of people while representing Grinnell Mutual and its Mutuals. This can be stimulating yet fast paced especially during high claims volume periods and when working with individuals facing a personal loss.

• The position is physically located in the employee’s remote 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; and taste or smell.

• The employee must be able to climb ladder, work on rooftops, and maneuver ladder as needed. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 35 pounds, and occasionally lift and/or move up to 50 pounds. 

• Specific visual abilities required by this job include distance vision, peripheral vision, depth perception, and ability to adjust focus.

• This role often involves working in outdoor weather conditions, with occasional exposure to extreme cold and heat.

• The incumbent occasionally works with all levels of employees in the home office including management, in-house counsel, property appraisers, special investigators, underwriters, finance, and support units.

• The incumbent has frequent contact with external customers including mutual managers, insureds, claimants, agents, witnesses, body shops, counsel, medical professionals, and local authorities.

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 the position. As the nature of the business demands change, so too may the job duties and responsibilities.

Grinnell Mutual is an Equal Opportunity Employer in accordance with applicable state and federal laws.