Position Summary
The Property Claims Examiner is responsible for adjusting and/or managing independent
adjusters with investigating, negotiating, and settling property insurance claims within
designated authority limits. This role requires in-depth analysis of property losses,
identification of risks such as arson or fraud, and efficient handling of claims in litigation.
The examiner ensures compliance with company policies, manages claim assignments to
independent adjusters, and maintains strong relationships with agents and third-party
vendors while adhering to industry standards and regulatory requirements. While the
primary responsibility is handling property claims, this position may also require or offer
opportunities to handle claims in other lines, such as casualty or automobile. This allows the
candidate to expand their expertise and support the broader needs of the claims
department as necessary.
Principal Accountabilities
Planning and Delivery
• Investigates property claims, ensuring a thorough review of facts, policy terms,
and conditions to determine coverage.
• Manages claim assignments to independent adjusters, appraisers, and vendors
while monitoring quality and cost control.
• Evaluates large-loss exposures, prepares detailed settlement recommendations,
and files large-loss reports as needed.
• Ensures timely claims settlement, maintaining proper reserves and documenting
files accurately.
Business Insight and Analytics
• Identifies and evaluates potential arson, fraud, or high-risk claims and coordinates
with legal and underwriting teams as needed.
• Reviews and assesses trends in claims data to identify risk factors and recommend
process improvements.
• Provide input to leadership on claim patterns, emerging risks, and mitigation
strategies.
Communication and Relationship Building
• Maintains positive relationships with agents, ensuring excellent customer service
and risk management communication.
• Works closely with policyholders, witnesses, and independent adjusters to obtain
statements of loss and necessary documentation.
• Collaborates with legal counsel and other internal departments on claims in
litigation or involving coverage disputes.
Leadership
• Mentors and trains junior claims staff on handling complex claims and identifying
potential risks.
• Participates in professional development activities, including seminars and
workshops, to stay current on industry trends.
• Assists in refining claims department procedures and policies for operational
excellence.
Job Requirements
Experience
• Minimum of 5 years of experience in property claims, including large-loss claims
and litigation exposure.
• Proficiency in handling suspicious and fraud investigations and working with
independent adjusters and appraisers.
Education
• Bachelor’s degree in business, insurance, or a related field; equivalent work
experience may be considered.
• Completion of professional certifications (e.g., AIC, CPCU) is highly desirable.
Skills
• Strong negotiation skills, with the ability to settle claims effectively within
authority limits.
• Excellent analytical skills for evaluating damage, determining liability, and
assessing reserves.
• Proficient in verbal and written communication, with a focus on customer service
and agent relationships.
• Solid knowledge of property insurance policies, exclusions, endorsements, and
related legal principles.
• Proficient with coverage analysis and constructing reservation of rights and
coverage denial letters.
Values
• Demonstrates integrity, fairness, and empathy in all aspects of claims handling.
• Committed to continuous learning and professional development to stay ahead in
a dynamic industry.
• Maintains a team-oriented mindset and collaborates effectively across functions.
Thank you for your interest in working for Patrons Oxford.
We are an Equal Opportunity Employer.