Claims Senior Property Adjuster

AAA Auto Club Enterprises; Lincoln (RI); On-site; USD 43,000 - 56,000; Full time

Benefits offered by this job

Health coverage for medical, dental, (

401(K) saving plans with company match

Pension

Tuition assistance

Floating holidays and PTO

Paid parental leave

Wellness programs

Employee discounts

Job summary

AAA Auto Club Enterprises is seeking a seasoned Property Claims professional to support homeowner claim operations. You will handle moderate to high complexity losses, interpret First Notice of Loss information, conduct investigations, evaluate coverages, negotiate, and resolve claims in compliance with state and federal laws.

The role requires strong analytical skills, discretion, and customer-service focus, with 4–6 years in claims handling and a valid driver's license.

Qualifications

• Bachelor's degree or equivalent combination of education and experience.
• 4–6 years of prior claims handling experience.
• 4–6 years of property claims administration experience preferred.
• Working knowledge of claims administration best practices and procedures.

Responsibilities

• Identify and obtain statements from insureds, vendors and witnesses; conduct phone investigations to determine coverage and damages.
• Explain policy coverages, benefits and claims process in verbal or written form per regulatory requirements.
• Evaluate, decide and negotiate within settlement authority for first-party claims in multiple markets.
• Coordinate with internal and external departments as required.
• Demonstrate discretion and independent judgment in analysis and problem-solving to manage losses.
• May attend and participate in legal proceedings.

Skills

Organization & planning

Oral & written communication

Interpersonal skills

Discretion & independent judgment

Education

Bachelor's degree or equivalent

Tools

Microsoft Office

Claims software

Job description

Job Summary

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 handles claims of moderate to high complexity. The primary functions include interpreting information from First Notice of Loss reports, claim investigation, coverage evaluation, negotiation strategies and claims resolution. 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 Summary

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 handles claims of moderate to high complexity. The primary functions include interpreting information from First Notice of Loss reports, claim investigation, coverage evaluation, negotiation strategies and claims resolution. 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

• Identify and obtain statements from insureds, vendors and witnesses. Conduct phone investigations to determine coverage and damages and differentiate between allegations and facts in each loss. Determine policy obligations by assessing the liability and damage components of the loss. Responsible for maintaining proper activities and service levels.
• Communicate and interact with a variety of individuals. Explain policy coverages, benefits, and claims process either verbally and/or in writing which complies with regulatory and statutory requirements. Recognize and appropriately address moderate-complexity 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. Objectively discern and address issues that may be questioned in an audit.
• Coordinate with internal and external departments as required.
• The position requires a higher degree of discretion and independent judgment in analysis and problem-solving to manage losses effectively. Respond quickly and effectively to customer needs and problems.
• May attend and participate in legal proceedings.

Qualifications

• Bachelors Equivalent combination of education and experience
• 4-6 years Prior claims handling experience. Required
• 4-6 years Property claims administration experience. Preferred
• Working knowledge of claims administration best practices and procedures.
• Moderate knowledge of fault assessment, negligence and subrogation principles required.
• Working knowledge of Microsoft Office suite, general computer software and claims software.
• Advanced organization and planning recognition skills required.
• Advanced oral and written communication skills required.
• Advanced 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.

Travel Requirements

• Occasional travel to off-site business meetings or conferences. (5% proficiency)

The starting pay range for this position is $31.10 - $41.42 per hour. Additionally, you will be eligible to participate in our incentive program based upon the achievement of organization, team and personal performance.

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