Claims Property Adjuster

AAA Auto Club Enterprises; St. Louis (MO); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

Health coverage

401(k) with company match

Tuition assistance

Floating holidays and PTO

Paid parental leave

Wellness programs

Employee discounts

Job summary

AAA Auto Club Enterprises is seeking a dedicated Property Claims professional to handle homeowner claims with a focus on compliance and customer service. You will interpret loss information, investigate, evaluate coverages, and negotiate settlements within authority to resolve claims across multiple markets.

The role emphasizes discretion, independent judgment and adherence to state and federal laws, along with strong use of claims technology and Microsoft Office.

Qualifications

• Bachelor's or equivalent combination of education and experience.
• 1-3 years prior claims handling experience required.
• 4-6 years property claims handling experience preferred.
• Working knowledge of claims administration best practices.

Responsibilities

• Conduct phone investigations to determine coverage and damages; obtain statements from insureds, vendors and witnesses.
• Explain policy coverages, benefits and claims process while complying with regulations.
• Evaluate, decide and negotiate within settlement authority to resolve first-party claims in multiple markets.
• Coordinate with internal and external departments as required.
• May attend and participate in legal proceedings.
• Respond quickly to insured needs and problems.

Skills

Communication skills

Interpersonal skills

Oral and written communication

Education

Bachelor’s degree or equivalent

Tools

Microsoft Office

Claims software

Job description

This position supports the Property Claims operation by handling claims reported on Homeowner policies written by the Interinsurance Exchange in compliance with all regulatory and statutory requirements. The position requires the handling of claims of low to moderate complexities. The primary functions include interpreting information from First Notice of Loss reports, loss investigation, coverage evaluation, claims resolution and negotiation strategies. Employs discretion and independent judgment to ensure compliance with state and federal laws. Applies technical and customer service best practices in accordance with company guidelines.

Job Duties

• Conduct phone investigations to determine coverage and damages. Identify and obtain statements from insureds, vendors, and witnesses. Responsible for maintaining proper activities and service levels.
• Communicate and interact with a variety of individuals, including members, insureds and claimants. Explain policy coverages, benefits, and claims process either verbally and/or in writing which complies with regulatory and statutory requirements. Recognize and appropriately address common coverage issues.
• Evaluate, assess, make decisions, and negotiate within settlement authority with insureds to resolve first-party claims in multiple markets. Demonstrate proficiency with assessment of personal property, property damage, loss of use, and claims technology and tool usage.
• Coordinate with internal and external departments as required.
• May attend and participate in legal proceedings.
• Respond quickly to insured needs and problems.

Qualifications

• Bachelors Equivalent combination of education and experience
• 1-3 years Prior claims handling experience. Required
• 4-6 years Property claims handling experience Preferred
• Working knowledge of claims administration best practices and procedures.
• General knowledge of fault assessment, negligence and subrogation principles desired.
• Working knowledge of Microsoft Office suite, general computer software and claims software.
• Moderate organization and planning recognition skills required.
• Moderate oral and written communication skills required.
• Moderate interpersonal skills required.
• Valid Driver's License, acceptable Department of Motor Vehicles record and minimum liability insurance - Issued by State Required
• An insurance/claims adjuster license may be required for claims administration in specific states.

Remarkable benefits:

• Health coverage for medical, dental, vision
• 401(K) saving plans with company match AND Pension
• Tuition assistance
• Floating holidays and PTO for community volunteer programs
• Paid parental leave
• Wellness programs
• Employee discounts (membership, insurance, travel, entertainment, services and more!)

Auto Club Enterprises is the largest club within the national AAA federation. We have nearly 17,000 employees in 24 states helping more than 18 million members. The strength of our organization is our employees. Bringing together and supporting different cultures, backgrounds, personalities, and strengths creates a team capable of delivering legendary, lifetime service to our members. When we embrace our diversity – we win. All of Us! With our national brand recognition, long-standing reputation since 1900, and constantly growing membership, we are seeking career-minded, service-driven professionals to join our team.

“Through dedicated employees we proudly deliver legendary service and beneficial products that provide members peace of mind and value.”

AAA is an Equal Opportunity Employer

Our organization participates in E-Verify