Recovery Representative (Claims Subrogation)

Berkshire Hathaway Direct Insurance Company; United States; Remote; USD 75,000 - 85,000; Full time

Benefits offered by this job

Medical Insurance

PTO

Holidays

401(k)

Job summary

Berkshire Hathaway Direct Insurance Company is seeking a Recovery Representative I to manage subrogation recoveries across first-party claims, including physical damage, cargo, and property losses, coordinating with adjusters and subrogation attorneys.

You will maintain diary systems, review invoices, pursue recoveries from responsible parties and insurers, and ensure timely follow-up within IIS, Apollo, and Duck Creek.

Qualifications

• Bachelor’s degree required.
• 1–2 years of related work experience.
• Basic math skills.
• Basic computer literacy.

Responsibilities

• Review first party claims and evaluate subrogation potential by analyzing loss facts and liability.
• Assign adjusters/experts and coordinate subrogation investigations.
• Pursue recovery from responsible parties/insurers and review settlements.
• Coordinate with subrogation attorneys when needed to enforce subrogation demands.
• Maintain diary system and ensure prompt follow-up to maximize collections.

Skills

Liability analysis

Negotiation

Analytical thinking

Team collaboration

Discretion & confidentiality

Attention to detail

Professional demeanor

Education

Bachelor’s Degree

Job description

All Jobs > Recovery Representative (Claims Subrogation)

Recovery Representative (Claims Subrogation)
Fully Remote • United States • BHDIC Claims

Full-time

Description

The Recovery Representative I will maintain the following responsibilities pertaining to Subrogation Recovery:

• Reviews first party claims such as Physical Damage, Cargo, PIP, Property claims and evaluates for subrogation potential by a careful analysis of the facts surrounding the loss, the probable liability of each involved party, and the investigation needed to document the liability of and damages to be sought from the responsible party.
• Assigns independent adjusters and/or experts as necessary, coordinating and providing clear direction on subrogation investigations.
• Identifies and pursues recovery from responsible parties, their insurers, or both. Reviews questionable proposed settlements with Recovery Unit Team Lead for direction. Regularly and promptly contacts responsible parties and/or their insurers following submission of a Company demand for payment.
• Assigns and coordinates with subrogation attorneys when legal disputes arise and/or when necessary to enforce subrogation demands.
• Reviews invoices to ensure compliance with company agreements and guidelines.
• Pursues uninsured motorists for subrogation, notifies Department of Motor Vehicles to suspend driving privileges if appropriate, communicates with district or county attorneys to request restitution, negotiates repayment terms if necessary.
• Maintains and regularly utilizes a diary system to ensure prompt follow up, completion of required actions and maximum available collection in all assigned files. Maintains Claim Files and utilizes IIS, Apollo, and Duck Creek claims systems. Determines and diaries statute of limitations date on all recovery files.
• Reviews trade journals, case law, state statutes and insurance policies to remain current with charges in the law and coverages.
• Retains and manages outside vendors and experts, as warranted.
• Reviews referred Claim Files and verifies amounts owed on liability deductibles, initiates formal demands to the policyholders, follows up with policyholders on diary, tracks recovery amounts and enters recoveries in Claim File. Responds to written and telephonic inquiries and disputes arising from the deductible collection efforts and resolves disputes over the amounts claimed by the Company.
• Follows up with policyholders to assure payments are made. Evaluates each recovery attempt, determines whether internal collection efforts will be successful, and, if not, recommends either writing off unpaid balance or referring deductible amount to collection agency. Sends advice to Underwriting when all deductible collection attempts are unsuccessful on current policies.
• Coordinates with referring examiners to ensure deductibles have not been waived or compromised in some other manner affected collectability. Coordinates with assigned claims representatives managing open workers compensation claims to ensure subrogation strategies benefit the overall claim resolution efforts.
• Generates invoices for deductible amounts, reviews files for received payments, calculates amounts due back to the policyholders after receipt of subrogation funds and issues deductible reimbursement checks.

Requirements

Qualifications

Required Knowledge and Education

• Bachelor’s Degree
• 1 to 2 years of related work experience
• Basic math
• Basic literacy in computer knowledge and use

Preferred Knowledge and Experience

• Insurance courses such as IIA or AIC in coverage, subrogation, legal principles, legal terminology, contracts, and business law.
• 1-2 years’ experience in liability and/or subrogation claim handling.

Skills and Abilities

• Liability analysis
• Negotiation
• Analyze problems, apply knowledge and logic, and draw appropriate conclusions.
• Work well with others, especially in confrontational situations
• Self-motivated and able to work independently while meeting assigned deadlines.
• Maintain strict confidentiality.
• Work with detail and accuracy.
• Maintain positive and professional demeanor when interacting with internal and external customers.

About Us

biBerk is where commercial insurance buyers can obtain coverage for their businesses from insurers of the Berkshire Hathaway group of Insurance Companies, one of the best capitalized insurance groups in the world. Our ultimate parent, Berkshire Hathaway Inc. (berkshirehathaway.com) is a holding company with diversified interests in a host of industries, including insurance, energy, transportation and manufacturing. Most policies issued through biBerk.com will be underwritten by Berkshire Hathaway Direct Insurance Company ("BHDIC"), which is an AM Best rated A++ insurer.

BHDIC is domiciled in Omaha, Nebraska. BHDIC and the team at biBerk are focused on helping small business owners quickly and easily buy affordable insurance directly from a financially strong insurance company they can trust.

BHDIC is excited to announce our comprehensive benefits package with some new and enhanced features for 2026 that include:

• Medical (PPO/HDHP), vision, disability, and life insurance.
• Enhanced dental plan with orthodontia coverage in addition to a standard plan.
• Generous PTO plan for all benefit-time eligible employees.
• Paid company holidays and 4 floating holidays.
• Paid parental leave.
• Employee Retirement Savings Plan/401(k) with company match and immediate vesting.
• Education Assistance Program that offers 100% upfront tuition reimbursement after 6 months of service for approved degree programs.
• Service Recognition Program that provides a monetary award to be used toward a vacation every 5 years of employment.
• Wellness Initiatives that include Fitness Center and Weight Watchers Reimbursement programs.
• Voluntary benefits that include accident, critical illness, and hospital indemnity.
• Employee discount and rewards program on travel, tickets, electronics, home, and more.

In accordance with pay transparency laws and regulations, the following good faith compensation range estimate is being provided. The salary range for this position is $75,000 - $85,000 per year. Final compensation will be based on candidate qualifications, geographic location, and other considerations permitted by law. This position does not have bonus potential.