Senior Claims Examiner

Lowe's Companies, Inc.; Mooresville (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

Lowe’s Companies, Inc. in Mooresville, NC, based at our headquarters, is seeking a Claims Examiner to investigate and resolve complex personal injury, product liability and property damage claims.

You will gather information, assess liability and negotiate settlements, collaborating with a team of examiners and stakeholders to ensure timely resolutions. The role requires strong investigative skills, knowledge of applicable laws, and the ability to lead a jurisdiction-focused team while aligning

Qualifications

• High school diploma or GED or equivalent years of experience in lieu of education requirement.
• 6 years of experience as a claims examiner or materially relevant knowledge, skills and abilities from other professions

Responsibilities

• Investigate, evaluate and resolve complex personal injury, product liability, and property damage general liability claims against the Company and/or its subsidiaries in a manner consistent with the Company’s objectives and values.
• Gather appropriate information, evaluate alleged damages, determining liability and compensability and negotiating settlements and reporting obtained information.
• Collaborate with other claims examiners on a team, focusing on bodily injury or property damage in a particular jurisdiction, acting as a leader for the team of Claims Examiners by integrating Lowe’s culture, team training, and jurisdiction-specific training into the on-boarding process.
• Conduct investigations of claims by interviewing claimants and witnesses, obtaining official reports, and comparing claim information with evidence.
• Serve as an escalation point for claims examiners on issues that cannot be satisfactorily resolved by the claims examiner; investigate complaints made by customers or stores against claims examiners.
• Maintain functional knowledge of the relevant laws and legal principles in order to resolve claims.
• Work consistently with store operations, human resources, and loss prevention to resolve claims in a timely and efficient manner while maintaining adequate productions and fulfilling reasonable customer service expectations.
• Prepare reports by collecting and summarizing information as required.
• Settle claims within authority and in an appropriate manner consistent with Lowe’s objectives and values by determining liability, obtaining demands and making offers to claimants, requesting settlement checks, making filings with regulatory agencies, and disposing of salvage, pursuing subrogation when appropriate.
• Control claim costs, provide excellent customer service, and resolve complaints to the satisfaction of the customer.
• Comply with federal and state regulations and service standards.

Skills

Investigations

Negotiation

Leadership

Interviews

Legal knowledge

Education

Bachelor’s degree

Associate degree

Master’s degree

NC insurance adjuster license

Job description

Do your Best Work in Mooresville

This position is based at our headquarters in Mooresville, North Carolina. Our corporate office is a space where you can collaborate and do your best work. Take a walk, grab a bite (or a cup of coffee), work out or get a check-up – we invest in you so you can find your inspiration.

Your Impact

The primary purpose of this role is to investigate, evaluate and resolve complex personal injury, product liability and property damage general liability claims against Lowe's and/or its subsidiaries in a manner consistent with the Lowe's objectives and values. This position is responsible for gathering appropriate information, evaluating alleged damages, determining liability and compensability, negotiating settlements, and reporting obtained information.

What You Will Do

• Investigate, evaluate and resolve complex personal injury, product liability, and property damage general liability claims against the Company and/or its subsidiaries in a manner consistent with the Company’s objectives and values.
• Gather appropriate information, evaluate alleged damages, determining liability and compensability and negotiating settlements and reporting obtained information.
• Collaborate with other claims examiners on a team, focusing on bodily injury or property damage in a particular jurisdiction, acting as a leader for the team of Claims Examiners by integrating Lowe’s culture, team training, and jurisdiction-specific training into the on-boarding process.
• Conduct investigations of claims by interviewing claimants and witnesses, obtaining official reports, and comparing claim information with evidence.
• Serve as an escalation point for claims examiners on issues that cannot be satisfactorily resolved by the claims examiner; investigate complaints made by customers or stores against claims examiners.
• Maintain functional knowledge of the relevant laws and legal principles in order to resolve claims.
• Work consistently with store operations, human resources, and loss prevention to resolve claims in a timely and efficient manner while maintaining adequate productions and fulfilling reasonable customer service expectations.
• Prepare reports by collecting and summarizing information as required.
• Settle claims within authority and in an appropriate manner consistent with Lowe’s objectives and values by determining liability, obtaining demands and making offers to claimants, requesting settlement checks, making filings with regulatory agencies, and disposing of salvage, pursuing subrogation when appropriate.
• Control claim costs, provide excellent customer service, and resolve complaints to the satisfaction of the customer.
• Comply with federal and state regulations and service standards.

Minimum Qualifications

• High school diploma or GED or equivalent years of experience in lieu of education requirement, if applicable
• 6 years of experience as a claims examiner or materially relevant knowledge, skills and abilities from other professions (e.g., loss prevention, customer service, investigative experience, legal experience, property estimating experience)

Preferred Skills/Experience

• Bachelor’s degree and 2 years of experience as a claims examiner or materially relevant knowledge, skills and abilities from other professions (e.g., loss prevention, customer service, investigative experience, legal experience, property estimating experience)
• Associate degree and 4 years of experience as a claims examiner or materially relevant knowledge, skills and abilities from other professions (e.g., loss prevention, customer service, investigative experience, legal experience, property estimating experience) or equivalent experience
• Master’s degree and 1 year of experience as a claims examiner or materially relevant knowledge, skills and abilities from other professions (e.g., loss prevention, customer service, investigative experience, legal experience, property estimating experience)
• Lowe's finance or accounting experience
• Relevant professional licenses and/or certifications, including a North Carolina insurance adjuster license

About Lowe’s

Lowe’s Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company with total fiscal year 2025 sales of more than $86 billion. Lowe’s employs approximately 300,000 associates and operates over 1,750 home improvement stores, 540 branches and 120 distribution centers. Lowe’s is a core value S&P 500 equity stock and a dividend aristocrat. Based in Mooresville, N.C., Lowe’s supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.

Lowe’s is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.

Starting rate of pay may vary based on factors including, but not limited to, position offered, location, education, training, and/or experience. For information regarding our benefit programs and eligibility, please visit https://talent.lowes.com/us/en/benefits.