Property Risk Specialist - Claims Adjuster

Farmers Union Insurance; Fargo (ND); On-site; USD 55,000 - 85,000; Full time

Job summary

North Dakota Farmers Union is seeking a Property Risk Specialist to manage insurance claims and risk analyses. The role involves planning work, interviewing claimants and witnesses, and investigating all aspects of claims. Inspections cover farm, commercial and home policies.

The incumbent will assess damages, verify policy coverage, negotiate settlements, and maintain claim files. Strong MS Office skills, teamwork, and insurance terminology understanding are essential for success.

Qualifications

• Associate degree or equivalent work experience preferred.
• Understanding of insurance policies, practices and terminology.
• Good written and verbal communication skills.
• Detail oriented and well organized.
• Ability to work with diverse personnel.

Responsibilities

• Inspect properties to analyze risk on new applications and rewritten properties.
• Investigate and process insurance claims filed by policy holders.
• Interview claimants and witnesses to gather pertinent information.
• Handle farm, commercial and home insurance claims.
• Inspect property damage to determine extent of damage.
• Verify coverage under an insurance policy and assess damages for compensation.

Skills

MS Office

Teamwork

Insurance knowledge

Communication

Detail orientation

Organizational skills

Education

Associate degree or equivalent

Job description

Job purpose:

The property Risk Specialist is responsible for handling insurance claims filed by policy holders. This position plans and schedules work needed to process claims, interviews claimants and witnesses, and investigates all aspects of the claim. This position also performs risk analysis inspections.

Key Responsibilities:

• Inspects properties to analyze risk on new applications and rewritten properties.
• Investigates and processes insurance claims filed by policy holders.
• Interviews claimants and witnesses to gather pertinent information.
• Handles and processes farm, commercial and home insurance claims.
• Handles property claims involving damage to buildings and structures, or personal property.
• Inspects property damage to determine extent of damage.
• Verifies that coverage applies through an insurance policy.
• Evaluates damages to ascertain compensation amount and consult with various personnel to get expert evaluation.
• Examines all written, audio and visual documents to determine how claim should be handled.
• Negotiates with claimant to settle claim and issue payout amounts.
• Maintains accurate and updated insurance files.
• Maintains written procedures for various job functions.

Knowledge, Skills and Abilities:

• Proficient in MS Office Product.
• Teamwork and collaboration.
• Understanding of insurance policies, practices and terminology.
• Good communication skills - written and verbal.
• Detail oriented and good organizational skills.
• Works with all skill types and levels of personnel.

Educational & Experience Required:

Associate degree or equivalent work experience preferred.

North Dakota Farmers Union is an Equal Opportunity Employer. We are committed to providing equal employment opportunities to all applicants and employees without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other status protected by applicable law.