Draft POSITION TITLE: Claim Examiner DEPARTMENT: Claims REPORTS TO: Team Manager, Claims EEO CATEGORY: Professional DIRECT REPORTS: None FLSA STATUS: Exempt LOCATIONS: Alpharetta (GA), Chapel Hill (NC), Hartford (CT), Scottsdale (AZ) POSITION SUMMARY/OBJECTIVES The primary role of the Claim Examiner is to investigate, evaluate, negotiate, and settle injury/damage claims in multiple jurisdictions, applying coverage, laws and regulations accordingly; reporting to management within necessary timelines and guidelines. POSITION RESPONSIBILITIES INCLUDING
- Promptly review new losses and determine initial plans of action.
- Analyze coverage as it relates to the facts and allegations of claims; prepare Reservation of Rights and Declination of Coverage letters, as applicable.
- Initiate contact with policyholder and claimant(s) to confirm notice of loss description and determine the scope of the investigation, as appropriate.
- When appropriate, assign and instruct independent adjusting firms to conduct needed investigative tasks; manage and direct activity of independent adjusting firms in any continued investigation of claims.
- Report losses timely to management and update as necessary.
- Evaluate claims as investigations develop and establish and adjust reserves as warranted.
- Review expense bills for appropriateness, accuracy and adherence to Company billing guidelines and process payments.
- Recognize, notify and pursue culpable parties and seek contributions from such parties.
- Identify and ensure subrogation efforts are undertaken against responsible parties.
- Negotiation of claims to settlement.
- Other duties as required.
KNOWLEDGE/SKILLS/ABILITIES INCLUDING
- Excellent written and oral communication skills.
- Exhibit negotiation, critical thinking, and problem-solving capabilities.
- Outstanding customer service, attention to detail, and multi-tasking skills.
- Strong computer skills, including the ability to work effectively in the claims management system and strong knowledge of Microsoft applications (e.g., Outlook, Word, Excel).
- Ability to exercise independent judgment with moderate supervision in handling claims within reserve and settlement authority.
EDUCATION/EXPERIENCE/CERTIFICATIONS
- Required: Bachelor's Degree from an accredited college/university.
- Required: Minimum of 1+ years of property/casualty claims handling experience as a full-time exempt employee of a U.S. based property/casualty insurance company.
- Strongly Preferred: 3+ years of commercial general liability policy and/or garage policy experience.
- Required: A valid adjuster license in designated home state (or be able and willing to obtain one within 60 days after hire) and the ability to obtain additional non-residential adjuster licenses.
PHYSICAL DEMANDS
- Physical demands are considered to be that of a climate-controlled office environment, with minimal physical exertion.
- Position is hybrid and requires the ability and the willingness to work in an IFG Companies' office at least three (3) days per week.
- Position requires prolonged sitting, extensive utilization of computers and interactions with others in person and via phone.
- Position requires the ability and the willingness to travel as the business needs.
BENEFITS
- IFG Companies offers competitive compensation and benefits, including medical, dental, vision, 401(k), flexible spending, short-term and long-term disability insurance, life insurance, long-term care, paid parental leave, vacation and other paid time off.
IFG Companies is an equal opportunity employer committed to a diverse workforce. #LI-Hybrid #LI-JF1