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Claims Adjuster - Property Field

Company: State Automobile Mutual Insurance Company
Location: Texas City
Posted on: September 18, 2022

Job Description:

It's fun to work in a company where people truly BELIEVE in what they're doing!

We're committed to bringing passion and customer focus to the business.

Summary & Key Responsibilities

Location: San Antonio, TX area

In this role you will handle low to mid-range complexity homeowners and commercial claims. Handling will consist of a direct investigation of the facts of loss, evaluation of coverages, damages, liability, and negotiation of claims to a proper conclusion. You may also be involved with litigated files for experience and developmental purposes.Key Responsibilities:

  • Make prompt contact with policyholders, claimants, witnesses, and other parties involved in the loss to set expectations, develop an action plan, and perform an initial exposure assessment.
  • Determines policy status and coverage; reviews appropriate policies and endorsements for coverage, limits, and deductibles; immediately notify manager of any claim that may be outside of assigned scope of handling, level, or authority.
  • Conducts an investigation to determine coverage, liability, and damages, including recorded statements and coordination of field inspections or experts when necessary based on Department Best Practices.
  • Identifies any subrogation potential and liability exposures and consults with supervisor.
  • Ability to scope and estimate first party homeowners claims, commercial claims, personal property claims as well as time element damages using company approved software applications.
  • Performs all claims related functions with guided assistance and input from their supervisor.
  • Ensures regular and timely follow-up and brings claims to prompt and appropriate conclusion while keeping the customer informed throughout the life cycle of the claim process.
  • Maintains electronic records that accurately and thoroughly document all file handling activity.
  • Field Positions - Must be willing and able to perform CAT adjustment duties (overnight travel involved) including, handling of ladders, climbing on roofs and other physical demands involving outside property claim handling.
  • May be called upon to perform additional duties as directed.
  • Overnight travel may be required.

    Overall Company Operations:
    • Provide exceptional customer service.
    • Collaborate with co-workers by assisting in areas where and when needed.
    • Exhibit positive demeanor and professional behavior toward coworkers, clients, and customers.
    • Actively participate in personal goal setting and in the coaching and performance management process.
    • Observe all company safety and health rules and apply these in all day-to-day activities.
    • Reasonable and predictable attendance is required.

      Minimum Required Experience/Education:
      • Current license in Property.
      • Minimum of 3 years of field claim experience required.
      • Previous experience within the insurance industry within the line of business is required.
      • High school diploma or equivalent required. Post-secondary education preferred.
      • Industry designation such as AIC, CPCU preferred.

        Communication Skills, Collaboration Skills, Technical Knowledge & Problem Solving:
        • Professional oral and written communication skills are critical to the success of this position.
        • All claims service must be handled with tact, diplomacy, and courtesy at all times.
        • Must be able to collaborate and develop strong team relationships with associates from within and outside the Claims Department.
        • Customer-centric with exceptional customer service skills.
        • Must have comprehensive knowledge and understanding of insurance policies and endorsements, as well as the ability to understand complex documents, contracts, and other legal documents.
        • Gather facts and draw conclusions, interpret complex requirements/issues and work independently.
        • The individual must be able to identify and implement key opportunities while researching potential solutions.

          About us:

          State Auto offers a competitive salary, an annual bonus program, an excellent benefits program including medical, dental, vision and prescription insurance coverage, life insurance, matching 401(k) plan, flexible spending accounts, and tuition assistance.

          State Auto is committed to the principle of equal employment opportunity for all associates and applicants and to providing associates with a work environment that is free from discrimination and harassment. All employment decisions (hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, training and work assignments) are based on business needs, job requirements and individual qualifications without regard to race, color, religion, gender, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, citizenship status, military status, or status as a covered veteran in accordance with applicable federal, state and local laws. State Auto will not tolerate discrimination or harassment based on any of these characteristics.

          State Auto is a smoke-free work environment. We utilize background checks as a condition of employment. For all exempt positions, we also obtain motor vehicle reports (MVR s).

          State Auto will not accept candidates from third-party recruiters without a signed agreement with State Auto.

          As a general guide and depending upon experience we anticipate the salary range to be $60,000 to $80,000.

          If you are ready for more than a job, and are looking for a career look no further!


          Full Time / Part Time

          Full time

          Worker Sub-Type


          If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!

Keywords: State Automobile Mutual Insurance Company, Texas City , Claims Adjuster - Property Field, Other , Texas City, Texas

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