Claim Representative II - Property

Church Mutual Insurance Company, S.I.; United States; Hybrid; USD 55,000 - 75,000; Full time

Job summary

Church Mutual Insurance Company, S.I. is seeking a Claims Representative II - Property to support our hybrid work model, with in-office days Tuesday-Thursday in Merrill, WI. Remote candidates outside commuting distance to Milwaukee or Madison may be considered.

The role involves handling low-to-moderate value commercial property claims, reviewing coverage, investigating, and managing reserves and payments within authority. Strong communication and organizational skills are essential.

Qualifications

• 2–4 years of claim handling and/or insurance experience preferred.
• Bachelor's degree preferred or equivalent experience considered.
• Ability to obtain and maintain state adjusting license requirements; continuing education is expected.

Responsibilities

• Handle low-to-moderate value commercial property claims with shorter durations and lower indemnity.
• Gather and review claim information, determine coverage, and conduct thorough investigations.
• Initiate and maintain contact with customers to provide updates and resolve issues.
• Determine reserves and make payments within your authority; refer above-authority claims as needed.
• Communicate professionally with internal and external customers and partners.
• Coordinate with vendors or Loss Recovery Services when appropriate.

Skills

Claims handling experience

Insurance knowledge

Communication skills

Detail oriented

Education

Bachelor's degree

Job description

Claims Representative II - Property

Our preference is for this role to be HYBRID, working in-office Tuesday-Thursday at our Merrill, WI location.

We'll also consider fully remote candidates who are not within commuting distance to one of our offices in Milwaukee or Madison, WI.

What You'll Be Doing

In accordance with application of state and federal laws and company best practices, handle low-to-moderate value commercial property claims short in duration with lower indemnity which may include property damage, business personal property, and building damage. Gather and review claim information, determine coverage, and conduct thorough investigations. Initiate and maintain customer contact to provide updates and resolve any issues with the claim. Update information in the claim system to document claim handling activities. Determine/set reserves and make payments within level of authority. Investigate and refer identified claims to Loss Recovery Services, as applicable.

On Any Given Day, You'll

• Perform claim tasks timely and document claim files appropriately. Proactively manage claim activities to ensure fair claim resolution. Handle all claims in accordance with state and federal laws.
• Verify coverage by gathering adequate information necessary to make an informed decision in a fair, equitable, and ethical manner. Deny losses under limited supervision, providing detailed explanation, citing facts, and policy language.
• Perform a thorough investigation based upon the type, complexity, and severity of the claim. Upon completion of the investigation, analyze and evaluate the potential exposure and damages, including potential full or partial liability and compensability denials. Formulate and document an action plan based on the covered damages and injuries.
• Determine and set reserves based on the most probable outcome of the claim, within authority level. Evaluate and negotiate directly with insured or insured representative on all cases within authority level. Review claim facts and exposure with claims management, as appropriate, to guide claim strategy. Make complete, accurate, and timely payments within authority for covered losses. Refer claims above authority to management for review and potential reassignment.
• Maintain a professional, courteous, and helpful approach when communicating in-person, on the phone, or through email and other correspondence with internal and external customers and business partners.
• Recognize when vendor partners are required on a claim, including experts, independent adjustors, or other. Assign and direct vendors, as needed, to aid in the investigation and evaluation of the claim. Manage claim expenses by concluding vendor assignment when vendor is no longer adding value to the claim.
• Investigate and refer identified claims to Loss Recovery Services, as applicable.
• Completes all other assigned duties, as requested.

Here's What We Expect

• Two to four years of claim handling and/or insurance-related experience is preferred.

Education

• Bachelor's degree preferred. A combination of equivalent education and/or experience may be considered in lieu of a degree.
• Additional training in insurance, construction, restoration, and/or building terminology knowledge is desirable.
• Completion of courses in any one or more of the following designations, INS, AIC, or CPCU, is preferred.

Necessary Knowledge and Abilities

• Ability to obtain and maintain state adjusting license requirements and complete continuing education requirements.
• Evidence of ability to think independently, be detail oriented, and organized.
• Strong listening, verbal, and written communication skills.
• Knowledge of policy terminology and legal principles involving at least one or more of the following: insurance, automobile, medical, and property claims.