Property Resolution Specialist (Property Field Adjuster)

JOB OBJECTIVE:

Investigate, evaluate, estimate and process property claims primarily requiring in-person contact and on-site inspections.

ESSENTIAL FUNCTIONS: 

• Primarily responsible for handling:
  • Personal and commercial property losses including structure, contents, ALE, scheduled property and business income losses requiring an on-site investigation
  • Property coverage questions; and
  • Property limited handled lawsuits including attending pre-trials, mediations, arbitrations or trial when required.
• Inspect and write moderate to large property estimates using estimating guides and estimating software.
• Assist in risk evaluation on homeowners and commercial businesses including verifying insurance to value, coinsurance penalties and documenting any change or increased hazard to the risk.
• Assist inside property specialists with tasks assigned, such as, diagrams and photographs, statements in person or inspections of property.
• Comply with claims organization’s policies and procedures for contact and communication, verification of coverages, determination of liability, investigation of losses, determination of claims values, completion of forms, and reports and negotiation and settlement of claims.
• Must be capable of investigating and closing a minimum average of 30 elements per month.
• Assist in catastrophe claims handling throughout the company operating territory, requiring overnight travel or extended stays upon request.
• Serve as a member of claims and other company integrated teams as assigned.

OTHER FUNCTIONS: 

• Climb roofs and perform other field based inspections.
• Obtain and maintain all applicable adjusters licensing.
• Maintain open lines of communication with agents, sales representatives, marketing and underwriting personnel.
• Perform other duties as assigned.

KNOWLEDGE. SKILLS AND EXPERIENCE:

• This position requires prior experience as a Property Resolution Specialist or experience as an Encova Insurance inside property specialist or its equivalent in the industry. 
• The internal candidate must have achieved an overall performance rating of at least “Meets Expectations” in the last two annual performance reviews.
• The candidate must demonstrate good judgment in making decisions, good communication skills, and excellent customer service skills.
• The candidate must have a thorough knowledge of Encova’s personal lines policies and coverages, claims settlement techniques and current legal decisions affecting claims handling.
• The candidate should have a working knowledge of Encova’s commercial policies and coverages.
• A college degree or equivalent in insurance or business is required.
• Continuing insurance education is desired and may be obtained through IIA and/or CPCU or other accredited insurance education provider.

This position has been evaluated in accordance with the Americans with Disabilities Act.  Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it.  This description reflects the nature and level of work performed by associates in this position.  It is not an all-inclusive inventory of duties, responsibilities and qualifications required.  It provides an accurate overview of the work and skills needed to perform this position.  Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.