Senior Claims Adjuster

Ruan; Des Moines (IA); Hybrid; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Disability

Life

401k

Paid Time Off

Job summary

Ruan in Des Moines, IA is seeking an experienced Claims Specialist to analyze, investigate, evaluate, and resolve workers' compensation, auto liability, physical damage, and cargo claims. The role mentors others on the claims team and may handle complex cases with larger exposure.

The position requires 6–9 years of claims experience, a Bachelor’s degree or equivalent, and strong analytical, negotiation, and communication skills. Hybrid work with regular business hours is available.

Qualifications

• Requires 6-9 years of claims experience.
• Education: Bachelor’s Degree or equivalent; Associate in Claims designation preferred.
• Must demonstrate strong communication, analytical, decision-making and negotiation abilities.

Responsibilities

• Investigate and resolve workers' compensation, auto liability, physical damage and cargo claim damages.
• Interview or correspond with all parties to the loss and review supporting documents to determine liability and damages.
• Oversee third-party administrator actions to ensure compliance with claim handling instructions.
• Support claim resolution decisions, including potential settlements within authority.
• Collaborate with legal counsel on contested claims and prepare supporting documentation.

Skills

Communication skills

Analytical skills

Negotiation skills

Decision making

Education

Bachelor's degree or equivalent

Associate in Claims designation preferred

Job description

This positions offers hybrid work: mix of in person and remote work each week

Schedule: Monday - Friday

Hours: Regular Business Hours + On Call

Experience: 3+ years auto liability claims experience required

Responsible for the analysis, investigation, evaluation, and resolution of workers' compensation, auto liability, physical damage, and cargo claims. May be assigned more complex claims with larger potential exposure. Provides guidance and mentor others on the claims team.

Responsibilities:

Carrying out the Company's organizational values and operating in accordance with applicable laws, regulations, and Company policies are required functions. Essential and other important responsibilities and duties may include, but are not limited to, the following:

• Investigate workers' compensation, auto liability, physical damage, and cargo claim damages. Interview or correspond with all parties to the loss. Examine photographs, surveillance video, statements, medical records, and other supporting documents to determine damages. If necessary, consult with law enforcement to determine liability.
• Determine if additional services are needed to bring the claim to resolution and provide appropriate referrals: environmental services, independent adjuster, nurse case manager, and legal counsel.
• Oversee the action of the third party administrator to ensure compliance with Ruan's claim handling instructions.
• Recommend acceptance or denial of claim within authority.
• Oversee negotiations with claimant or injured worker for potential claim settlement within authority.
• If claim is contested, collaborate with internal and external legal counsel to defend Ruan's position. Produce documentation to support Ruan's position. May require participation in legal proceedings
• Maintain file documentation and all required reports; including OSHA, DOT, and post-accident drug and alcohol testing.
• Monitor for appropriate claim reserves. Make recommendations for adjustments as necessary.
• Protect and pursue subrogation when appropriate.
• Perform other job-related duties and special projects as required.

Requirements

Job Requirements/Minimum Qualifications:

Education: Bachelors Degree or equivalent work experience.

Course of Study: Business or related field of study. Associate in Claims designation preferred.

Experience: 6-9 years

Type of Experience: Claims experience

Required Knowledge, Skills, and Abilities:

• Must be able to commit to Ruan's value statement by acting with integrity in everything we do.
• Must be able to meet behavioral expectations and perform in alignment with our guiding principles: safety, people, customer, performance, and continuous improvement.
• Strong verbal and written communication skills. Demonstrates attention to detail and sense of urgency. Ability to set priorities and accomplish duties of position with minimal direction. Strong analytical, decision making, and negotiating skills. Demonstrated ability to determine liability/responsibility based on various workers' compensation and negligence statutes (comparative, contributory, etc.) at the local, state, and federal levels. Ability to communicate with all levels of management within the company. Willingness to maintain professional and technical knowledge through continuing education.
• Demonstrates initiative and decision making skills necessary to determine the most efficient and effective manner of reaching claim resolution.

Benefits

Ruan provides benefits which include:

• Medical
• Dental
• Vision
• Disability
• Life
• 401k
• Paid Time Off

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