Sr. Construction Defect Claims Adjuster

Frank Winston Crum Insurance; United States; Remote; USD 80,000 - 100,000; Full time

Benefits offered by this job

Health Insurance

Dental and Vision Insurance

Short Term Disability

Long Term Disability

401(k) Retirement Plan with employer 4

Flexible Spending Accounts

Health Savings Account

PTO and holidays

Education Benefit Program

PTO cash out

Tickets at Work

Employee referral programs

Job summary

FrankCrum is seeking a Sr. Construction Defect Claims Adjuster to handle the most complex construction defect claims, including litigated matters and large projects, with a focus on cost-effective strategies and timely resolution.

The role requires deep knowledge of construction defect coverage issues, risk transfer, and strong negotiation skills to coordinate with defense counsel, insureds, and insurers while maintaining reserves and engaging in proactive claim management.

Qualifications

• Knowledge of construction defect claims handling.
• Familiarity with insurance policies and applicable regulations in multiple states.
• Experience with sub-contractors and additional insured tenders.
• Ability to interpret contracts and manage time-sensitive claims.

Responsibilities

• Investigates, evaluates and resolves complex construction defect claims, many litigated or large projects.
• Handles complex coverage issues including sub-contractors and additional insureds.
• Interprets construction contracts and applies risk transfer where appropriate.
• Negotiates time on risk, the duty to defend and indemnify with liable insurers.
• Manages litigation proactively with defense counsel and insureds.
• Uses ADR techniques to obtain optimal outcomes, such as settlements and offers of judgment.
• Responds to time-limit demands, complaints and regulatory notices promptly.
• Reviews damage reports to assess property damage and construction defects.
• Mentors junior team members and identifies process improvements.
• Collaborates with underwriting and other departments as needed.

Skills

Construction defect claims

Insurance claims handling

Litigation coordination

Negotiation

Regulatory compliance

Education

Bachelor's degree or equivalent experience

Juris Doctorate (plus)

Job description

FrankCrum is a Top Workplace!the company (FWCI) issues Workers' Compensation and General Liability policies by offering flexible coverage and payment options to meet the varied needs of businesses. Over the years, FWCI has grown from a single-state insurance carrier to one that is licensed in over 45 states and continues to expand. In addition to regional and product line growth, FWCI has enhanced its value-added services. What has not changed though is the firm's commitment - echoed throughout the family of companies - "always to do the right things for the right reasons!"

Job Applicant Privacy Policy and CA Notice at Collection

The Role You'll Play to Create Success

We are eager to announce a Sr. Construction Defect Claims Adjuster position filled with many exciting opportunities! This job contributes to the mission of FrankCrum by adjusting the most complex construction defect claims in the company’s inventory and assisting in establishing the best and most cost-effective strategy for handling this claim type.

• Investigates, evaluates and brings to timely resolution an inventory of the most complex construction defect claims in the company’s inventory of which most are litigated and may involve large projects in accordance with established claim handling standards and applicable state regulations and laws.
• Understands construction defect coverage issues and handles complex coverage issues related to sub-contractors, additional insured tenders by General Contractors and developers, Florida Chapter 558 process and issuing reservation of rights letters and denial of coverage letters
• Understands and interprets construction contracts and applies risk transfer when appropriate.
• Negotiates time on risk and the duty to defend and indemnify with liable insurers when appropriate.
• Manages litigation proactively and works well with defense counsel and insureds to reach optimal outcomes.
• Demonstrates a strong knowledge and utilization of resolution techniques such as high low agreements, proposals for settlement, offers of judgement to obtain optimal outcomes.
• Demonstrates an understanding of how to evaluate and respond timely to time limit demands, consumer complaints and Department of Insurance Complaints including Civil Remedy Notices often filed in construction defect claims.
• Demonstrates a strong knowledge of residential and commercial building construction, repair processes, and knows how to review and analyze the accuracy of damage reports prepared by contractors, engineers, and appraisers in order to assess property damage and construction defects damages.
• Demonstrates strong negotiations skills in alternative dispute resolution forums such as mediations and assists in finding early resolutions in order to obtain optimal outcomes when appropriate.
• Demonstrates an understanding of reserving requirements and philosophies and is able to maintain appropriate reserves on all assigned claim files.
• Prepares reports detailing claim status, payments and reserves.
• Engages in timely and effective communication with the appropriate parties and documents the claim file throughout the claim adjustment process which includes maintaining timely diaries on each claim.
• Effectively assists, trains and mentor’s lessor skilled team members in conjunction with management.
• Assists managers with identifying trends and opportunities for improvement in processes and procedures and claim resolution to improve overall outcomes.
• Collaborates with other departments such underwriting on projects or as needed or performs other duties as assigned.

The Attributes We Seek

• Keys to success in this position include knowledge of construction defect claims handling and of applicable insurance policies claims systems and claims handling regulations, procedures, and laws in 48 states.
• Bachelor’s degree in a related field or equivalent experience needed, Juris Doctorate a plus.
• Ten (10) years of construction defect claims adjusting experience with exposure to a minimum of $100,000.
• Must hold a proper adjuster licenses in Florida and/or Texas and other states with the ability to obtain additional licenses as needed.

Our Competitive Benefits

Along with this great opportunity, FrankCrum also provides exceptional benefits from top carriers including:

• Health Insurance is just twenty-five dollars per month for employee only coverage and a very low cost for family levels.
• Dental and Vision Insurance
• Short Term Disability and Term Life Insurance at no cost to the employee
• Long Term Disability and Voluntary Term Life Insurance
• Supplemental insurance plans such as Accidental, Critical Illness, Hospital Indemnity, Legal Services and Pet Insurance
• 401(k) Retirement Plan where FrankCrum matches 100% of the first 4% the employee contributes, and the employee is immediately vested in the employer match
• Flexible Spending Accounts for Medical and Dependent Care Reimbursement
• Health Savings Account funded by FrankCrum
• Paid time off and holiday pay
• Education Benefit Program at the IRS Maximum allowance
• PTO cash out
• Tickets at Work
• Alero Financial and its robust credit union benefits program
• Employee and client referral bonus programs
• Disaster Relief Fund for employees

What's Special About FrankCrum

FrankCrum, a family-owned business-to-business entity since 1981 made of several companies: FrankCrum Corporate (a professional employer organization), FrankCrum Staffing, the company Company, and the FrankCrum Insurance Agency - all based in Clearwater, Florida. This "family of employer solutions" employs approximately 500 people who serve over 4,000 clients throughout the United States. FrankCrum employees are trained to deliver high value through exceptional customer service and treat clients and coworkers like family. By living by our Brand Pillars (Integrity, Affinity, and Prosperity) employees are recognized at quarterly events for exceptional customer service and milestones in tenure.

The FrankCrum headquarters spans 14 acres and includes a cafe, subsidized for employees. Menus include made-to-order breakfast, hot lunch options and even dinners that can be ordered to-go, all at very affordable prices. The cafe also plays host to monthly birthday and anniversary celebrations, eating and costume contests, and yearly holiday parties. Through the input of its own employees, The Tampa Bay Times has recognized FrankCrum as a Top Place to Work for more than 10 years in a row! FrankCrum also supports several community efforts through Trinity Cafe, the Homeless Empowerment Program, and Clearwater Free Clinic!

This job posting will remain open continuously and qualified applicants will be considered as applications are received.

Pay Data

As required by applicable state and/or local regulations the following pay data provides a reasonable estimate of the compensation range for this position at the time of posting. FrankCrum may ultimately pay more or less than the posted pay range due to many economic and individualized considerations. The pay offered to the selected candidate will be based on factors including, but not limited to qualifications, knowledge, licensure, skills, abilities, work experience, education, budget, training, employment trends, internal wage considerations, market dynamics, certifications, geographical location, assessments, and other business and organizational needs. The annualized pay range at the time of initial posting for this position is $80,000 - $100,000. These figures represent the annualized pay for both hourly and salaried types of positions and does not indicate employment is on a yearly basis nor remove the employee’s employment at-will status.

Under the California Privacy Rights Act (CPRA), employers are required to provide a Notice at Collection to California job applicants at or before the time their personal information is collected, whether through an applicant tracking system (ATS), application forms, recruiting portals, or other recruiting processes.the legal requirement is that the notice be provided and readily accessible at or before the point of collection.From a compliance perspective, the key requirement is ensuring that the notice is readily available before personal information is collected and that the organization can demonstrate that the notice was presented in a compliant manner if requested by regulators or in the event of an audit. Maintaining records of how and where the notice is displayed can help support that demonstration.

FrankCrum is an Equal Opportunity Employer that does not discriminate on the basis of actual or perceived race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth and pregnancy-related conditions), gender identity or expression (including transgender status), sexual orientation, marital status, military service and veteran status, physical or mental disability, genetic information, or any other characteristic protected by applicable federal, state or local laws and ordinances.

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