Property Adjuster
Company: Liberty Mutual Insurance
Location: Louisville
Posted on: April 30, 2024
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Job Description:
Schedule: Full-Time Salary Range: USD $59400.00 - $91500.00 Job
Category: Claims Pay Philosophy The typical starting salary range
for this role is determined by a number of factors including
skills, experience, education, certifications and location. The
full salary range for this role reflects the competitive labor
market value for all employees in these positions across the
national market and provides an opportunity to progress as
employees grow and develop within the role. Some roles at Liberty
Mutual have a corresponding compensation plan which may include
commission and/or bonus earnings at rates that vary based on
multiple factors set forth in the compensation plan for the role.
Description Property Adjusters investigate commercial property
claims, evaluate damages, determine coverage, set accurate loss
cost estimates, control the insured's exposures and losses, manage
consultants, and achieve a prompt, fair and equitable settlement
according to fair claims handling requirements. Negotiate
settlement of claims with varying complexity and perils. Training
is a critical component to your success and that success starts
with reliable attendance. Attendance and active engagement during
training is mandatory Responsibilities: Conducts a prompt, thorough
and fair investigation by obtaining relevant facts to determine
coverage, origin, and extent of loss. Reviews and utilizes
financial statements to adjust moderately sized business
interruption losses. Conduct on-site appraisal or direct
independent adjuster to determine facts relevant causation, damages
and exposure. Engages and manages consultants and independent
adjusters as required. Monitors the costs to ensure they are
reasonable and necessary. Establishes and maintains accurate loss
cost estimates and reserves for each claim for reporting, financial
records, and other purposes. Keeps the Insured and others informed
about the claim's status with clear, timely and accurate
written/oral communications. Effectively communicates in writing on
moderately complex coverage issues with minimal review and
coaching. Determines depreciation of claim. Affirms or denies
coverage of the claim based on the facts and the policy terms and
conditions. Develops information necessary to make advance, partial
and final payments when appropriate. Meet time requirements of the
policy and fair claims handling practices. Effectively negotiate
settlement of claims of varying complexity and perils. Achieves a
prompt, fair and equitable settlement of a claim, where there is
policy liability. Keeps the electronic claim file properly
documented with accurate, clear and timely information and reports
that reflect the adjustment activities and substantiate any
payments made. May participate in quality assurance file review
sessions and serve as a technical resource for less experienced
claims personnel. Will be called upon for catastrophe duty.
Qualifications Knowledge of property insurance; commercial property
claims; coverage evaluation; claims investigation, loss assessment,
evaluation and reserves; financial analyses; insurance regulations;
negotiation and settlement of moderate to high complexity claims;
other skills required include a focus on customers; decision
making; results oriented; spoken communication; and adaptability;
an ability to build relationships, listen (i.e., comprehend nuances
and acknowledge others' viewpoints), mentoring and training less
experienced team members, write business correspondence, produce
accurate work, manage projects and vendors; and use core
applications/spreadsheets; as normally acquired through a
bachelor's degree or equivalent; successful completion of required
internal training programs and AIC (Associate in Claims) modules 33
and 35; Prefer designations such as AIC, SCLA, CPCU, etc, and at
least 2-3 year of progressively responsible experience. Ability and
willingness to travel to the site of catastrophe for assignments
that may last several weeks. About Us At Liberty Mutual, our
purpose is to help people embrace today and confidently pursue
tomorrow. That's why we provide an environment focused on openness,
inclusion, trust and respect. Here, you'll discover our expansive
range of roles, and a workplace where we aim to help turn your
passion into a rewarding profession. Liberty Mutual has proudly
been recognized as a "Great Place to Work" by Great Place to Work
US for the past several years. We were also selected as one of the
"100 Best Places to Work in IT" on IDG's Insider Pro and
Computerworld's 2020 list. For many years running, we have been
named by Forbes as one of America's Best Employers for Women and
one of America's Best Employers for New Graduates as well as one of
America's Best Employers for Diversity. We value your hard work,
integrity and commitment to make things better, and we put people
first by offering you benefits that support your life and
well-being. Liberty Mutual is an equal opportunity employer. We
will not tolerate discrimination on the basis of race, color,
national origin, sex, sexual orientation, gender identity,
religion, age, disability, veteran's status, pregnancy, genetic
information or on any basis prohibited by federal, state or local
law. Employment Type: Full Time
Keywords: Liberty Mutual Insurance, Owensboro , Property Adjuster, Other , Louisville, Kentucky
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