Remote Loss Adjuster - Complex Claims

Placements24; Vereeniging; Hybrid; ZAR 720,000 - 1,000,000; Full time

Benefits offered by this job

Competitive remuneration

Possible performance bonuses

Remote work with flexible hours

Professional development opportunities

Work from anywhere in South Africa

Job summary

Placements24 is recruiting a highly skilled Loss Adjuster to join a fully remote team handling a diverse portfolio of intricate claims from a home office across South Africa. The role involves expert assessment, reporting, and settlement negotiations to achieve timely resolutions.

The ideal candidate has 6+ years in loss adjusting, with strong insurance knowledge and proven remote-client communication abilities. Occasional travel for site inspections may be required.

Qualifications

• 6+ years of experience as aLoss Adjuster handling complex claims.
• Strong understanding of insurance principles and policy wordings.
• Excellent negotiation, communication and remote client interaction skills.

Responsibilities

• Investigate, assess and report on complex claims across property, liability and business interruption.
• Conduct virtual or in-person site inspections as required and gather evidence.
• Analyze policy wordings to confirm coverage and identify exclusions.
• Quantify damages and prepare comprehensive reports for insurers.
• Negotiate settlements with policyholders and claimants in a timely manner.
• Maintain organized claim files and ensure regulatory compliance.
• Provide expert guidance to insurers on claims matters.
• Manage caseload remotely and meet deadlines.
• Stay informed on industry best practices and regulatory changes.
• Liaise professionally with clients, legal counsel and experts.

Skills

Loss Adjusting

Insurance principles

Claims investigation

Negotiation

Communication

Remote work

Digital claims software

Education

ACII/CIP desirable

Tools

Claims management software

Job description

About the Role

Our client, a distinguished national insurance firm known for its exceptional service in handling complex claims, is seeking a highly skilled and independent Loss Adjuster to join their fully remote team. This is an excellent opportunity for an experienced professional to manage a diverse portfolio of intricate claims from their home office, providing expert assessment and reporting. You will be responsible for investigating the cause and extent of loss or damage, determining policy coverage, negotiating settlements, and ensuring efficient resolution. As a remote-first role, you will enjoy the ultimate flexibility while playing a critical role in delivering timely and accurate claims services across the country. This position requires a proactive and diligent individual with a strong understanding of various insurance lines.

Key Responsibilities

• Investigate, assess, and report on complex insurance claims, including property, liability, and business interruption, determining coverage and quantum.
• Conduct detailed site inspections (virtually or in-person as required by the claim) and gather all necessary evidence, documentation, and statements.
• Analyze policy wordings to confirm coverage and identify any exclusions or limitations.
• Quantify damages and liabilities, preparing comprehensive reports for the insurer.
• Negotiate settlements with policyholders, claimants, and their representatives in a fair and timely manner.
• Maintain accurate and organized claim files, ensuring all activities are meticulously documented and in compliance with regulatory standards.
• Provide expert advice and guidance to insurers on claims matters.
• Manage a caseload effectively, prioritizing tasks and meeting deadlines in a remote work environment.
• Stay informed about industry best practices, legal requirements, and emerging trends in loss adjusting.
• Liaise professionally with all relevant parties, including clients, legal counsel, and expert witnesses.
• Utilize digital tools and platforms to manage claims efficiently from a remote location.

Requirements

• A minimum of 6 years of experience as a Loss Adjuster, with demonstrated expertise in handling complex claims across multiple lines of business.
• Strong understanding of insurance principles, policy wordings, and claims investigation techniques.
• Excellent analytical, problem-solving, and decision-making skills.
• Exceptional negotiation, communication, and interpersonal abilities, crucial for remote client interactions.
• Proficiency in using digital claims management software and standard office applications.
• Relevant professional qualifications (e.g., ACII, CIP) are highly desirable.
• Ability to work autonomously, manage time effectively, and maintain high productivity in a fully remote setting.
• Must possess a reliable internet connection and a suitable home office environment.
• Demonstrated commitment to ethical conduct and professional standards.
• Willingness to undertake occasional travel for site inspections if absolutely necessary.

Benefits

• Competitive remuneration package, commensurate with experience.
• Potential for performance-based bonuses.
• Flexible work hours and the complete autonomy of a remote role.
• Opportunities for continuous professional development and specialized training.
• Be part of a well-respected insurance firm known for its handling of challenging claims.
• Direct contribution to risk assessment and resolution for a national client base.
• Work from anywhere within **South Africa**, provided a stable internet connection is maintained.