Property Claims Adjuster

Bear River Mutual; Salt Lake City (UT); On-site; USD 52,000 - 76,000; Full time

Benefits offered by this job

120 hours of PTO for first-year

Profit sharing up to 8% (pro-rated)

Pension plan after five years

Medical, Dental and Vision plans

Employer HSA contribution

Company 401(k) match up to 4%

Tuition reimbursement for job-related-

Paid Life Insurance

Eleven Paid HolidaysOne Personal Day

Job summary

Bear River Mutual in Utah seeks an experienced Property Loss Claims adjuster to investigate, negotiate and resolve property damage claims. You will review estimates, verify coverage and document records to support payments.

The role involves coordinating repairs, maintaining reserves and ensuring regulatory compliance. College degree or equivalent training is required, with strong communication and negotiation skills needed.

Qualifications

• Education: College degree or equivalent training.
• Knowledge: Property damage estimating and home construction.
• Understanding of insurance policy contracts and coverage.
• Understanding of Utah Unfair Claim Practices Act.

Responsibilities

• Maintain high standards for customer service and resolve claim issues quickly.
• Investigate coverage, liability and damages and document evidence for payment/denial.
• Audit estimates and review damages with photos, inventories and diagrams.
• Coordinate repairs or replacement, temporary housing, and contents replacement.
• Negotiate to fair resolutions and manage loss costs.
• Maintain claim reserves and manage recovery costs (subrogation, salvage, reinsurance).
• Ensure compliance with Utah Unfair Claim Practices Act and handle high-complexity claims.

Skills

Communication skills

Organized

Negotiation

Computer skills

Problem solving

Driving record

Education

College degree or equivalent training

Job description

Job Description

Responsible for the investigation, negotiation and resolution of Property Loss claims. This includes review of written estimate of repairs or replacement using computerized estimating software. Responsible for documenting and organizing claim records to support payment. Must investigate and apply the appropriate policy coverage and legal analysis for payment of claims as well as third party liability. Projects the Company’s professional image. As an exempt employee, this position is paid to get the job done, which may mean additional hours will need to be worked, depending on the circumstances.

Essential Job Functions

• Maintains high standards for customer service relations, including prompt contact and follow up to resolve claim issues and actively pursuing claim investigation to reach an expedient resolution.
• Conducts a thorough investigation of coverage, liability and damages, maintaining supporting evidence for payment or denial.
• Audits mitigation and repair estimates with documentation of damages from the desk, including reviewing photos, inventories, scope of damage, diagrams, etc.
• Coordinates repairs or replacement of damaged property, temporary housing, emergency restoration and contents replacement.
• Negotiates claim to a fair resolution.
• Conducts risk analysis for home safety standards.
• Prepares cost estimator to establish insurance to value.
• Maintains an adequate claim reserve for anticipated loss and claim expense payments.
• Manages costs in association with all aspects of recovery (subrogation, salvage and reinsurance) as well as loss adjustment expenses.
• Ensures compliance with the Utah Unfair Claim Practices Act.
• Manages claims involving Public Adjusters.
• Manages claims involving attorney represented clients and litigation.
• Manages claims of high complexity, involving high authority and loss costs.

Other Job Functions

• Occasional onsite damage assessment or accident scene investigations, including measurements, photographs and witness contact.
• Other duties as assigned.

Qualifications

Education/Certification: College degree or equivalent training.

Required Knowledge:

• Working knowledge of property damage estimating.
• Knowledge of computer related applications.
• Working knowledge of home construction.
• Understanding of insurance policy contracts and coverage.
• Understanding of the Utah Unfair Claim Practices Act.

Skills/Abilities:

• Excellent communication and public relations skills.
• Well organized and attentive to detail.
• Excellent negotiation skills.
• Good computer skills.
• Ability to problem solve and resolve conflict amicably.
• Clean driving record.

Job Type: Full-time

Benefits

• 120 hours of PTO for first-year employees
• Profit sharing up to 8% (pro-rated dependent on start date)
• Pension plan after five years of employment
• Medical, Dental and Vision plans
• Employer HSA contribution
• Company 401(k) match up to 4%
• Tuition reimbursement for job-related education
• Paid Life Insurance
• Eleven Paid HolidaysOne Personal Day