Claims Adjuster

Ideal3; United States; Remote; USD 55,000 - 75,000; Full time

Benefits offered by this job

Remote work

Competitive benefits

Equal opportunity employer

Job summary

ideal3 is seeking a highly motivated Claims Adjuster to join our team. This is a 100% remote role focusing on bodily injury and general liability claims (non-auto). Applicants must be licensed and have 2–5 years of claims-handling experience.

We value strong writing, communication, and a collaborative approach to serving brokers and clients. As part of our remote culture, you will review coverage, investigate issues, draft letters, set reserves, and coordinate with counsel and vendors.

Qualifications

• 2–5 years of claims-handling experience required.
• Must be licensed to apply.
• Strong writing and communication skills are essential.
• Ability to work collaboratively with brokers, counsel, and clients.

Responsibilities

• Reviewing claims for coverage and determining applicability.
• Investigating coverage issues and gathering evidence.
• Conducting timely investigations, including interviews.
• Establishing and revising claims reserves based on developments.
• Drafting letters and reports, including settlement recommendations.
• Appointing defense and coverage counsel as appropriate.
• Maintaining claim files and updating diary.
• Timekeeping for billing and invoicing.

Skills

Critical thinking

Oral communication

Written communication

Customer service

Typing

Education

High school diploma or GED

Tools

Microsoft Office

Job description

ideal3 is seeking a highly motivated and detail-oriented Claims Adjuster to join our team! We are seeking a skilled Claims Adjuster with proven experience in handling bodily injury and general liability claims, excluding auto-related cases. Must already be licensed to apply. This is a highly collaborative, 100% remote-working company that emphasizes the importance of work-life balance and offers competitive benefits. ideal3 delivers a claims handling experience that makes a difference, from our talented and ethical claims professionals who provide exceptional services for exceptional results to our outstanding customer service.

Position Description:

A Claims Adjuster analyzes coverage for claims submitted under the applicable policy form. The duties of a Claim Adjuster include discussing claim facts and coverage issues with insureds, defense counsel, and/or coverage counsel. Claims Adjusters must possess critical thinking and strong oral/written communication skills.

Essential Duties and Responsibilities:

• Reviewing submitted claims for coverage and making a determination as to whether a matter is covered under the applicable policy.
• Investigating coverage issues.
• Conducting timely claim investigations, including gathering documents, video, and other evidence, conducting telephone interviews of Insureds, claimants and witnesses.
• Establishing and revising claims reserves based on claims developments and counsel liability assessments.
• Adhering to fair claims-handling practices and regulations.
• Drafting claim acknowledgment letters and emails.
• Drafting coverage determination letters, including reservation of rights and denial letters.
• Drafting large loss reports for claims exceeding claims-handling authority and communicating with the policy Underwriters regarding such claims.
• Appointing defense counsel, coverage counsel and/or vendors, as appropriate.
• Enforcing Terms of Engagement Letters and/or Statements of Work with defense counsel, coverage counsel, and/or vendors.
• Obtaining updates from defense counsel, coverage counsel, vendors and/or the Insured, as appropriate.
• Updating claims diary as needed based on activity.
• Timekeeping for billing purposes.
• Authorizing settlements based on liability and other considerations after receiving approval from claims management or Underwriters.
• Conduct detailed bill reviews to ensure appropriate payment.
• Reviewing, approving, and paying invoices.
• Maintaining a claim file by accurately documenting all communications, activity, etc.
• Communicating with brokers and clients to obtain information necessary for processing claims.
• Adhering to company policy and procedures.
• Strong typing skills.
• Ability to use computer software related to claims services.
• Excellent customer service and communication skills.
• Strong and above average writing skills.
• Communicating effectively verbally and in writing.

Education and Experience:

• 2 – 5 years claims-handling experience required.
• High school diploma or GED required.
• Knowledge of Microsoft Office.

Physical Demands:

While performing the duties of this job, a Claims Adjuster will occasionally be required to stand; walk; sit, use hands to handle or feel objects, tools or controls; reach with hands and arms, balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. A Claims Adjuster must occasionally lift and/or move up to five pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

*ideal3 is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status.