Overview:
The primary location for this position is Northwest of Des Moines between Ames and Fort Dodge, Iowa and the surrounding area. This includes Webster, Pocahontas, Calhoun, Sac, Story and Hamilton counties.
This position is based out of your home with a company-provided vehicle for travel to the claim sites. Grinnell Mutual employees and their family members enjoy a comprehensive health benefits package that reduces premiums for commitment to a healthy lifestyle, along with a full suite of disability and life insurance and a 401(k) program with a company match. Property Claims Adjusters receive a one-time home office reimbursement up to $1,000 to set up their remote home office and monthly internet expenses paid by the company. Grinnell Mutual offers a flexible work environment and paid holidays where the office is closed. Please note that candidates must be eligible to work in the U.S. without Grinnell Mutual sponsorship.
This position may be filled at the level equal to the individual's qualifications and experience. The Reinsurance Adjusting Program provides in-depth training to all new employees. Training programs are tailored to the individual’s experience level and needs so whether you are just starting out in your claims career or are an experienced adjuster you will be prepared to go out into the field and adjust claims.
Adjusts property claims as part of Reinsurance Adjuster Program for assigned mutuals. Determines coverage by consulting policy in force and endorsements, evaluates loss by completing on-site investigations, and settles claims according to Grinnell Mutual Claims procedures.
Responsibilities:
Determines proper policy coverages, and where necessary, investigates, evaluates, negotiates, and equitably settles all assigned claims cases in accordance with company policies and procedures at values commensurate with damages sustained. Sets reserves based on estimated loss for claim.
Prepares and submits initial and follow-up reports of findings and action taken on each assigned claim in conformity with established procedures. Documents file with activity, contacts, offers, and demands related to claim. May be asked to assist or prepare file for subrogation, suit, or trial.
Works with law enforcement to verify items stolen and confirm payment/ownership, if recovery is made following claim payment, files written request for restitution in all arrests including vandalism claims.
Conducts on-site field inspections determining building values, making recommendations of risk acceptability, identifying hazards, and recommending appropriate corresponding corrective action.
Qualifications:
High school diploma, general education degree (GED), or equivalent combination of education and applicable work experience. Minimum of two years’ experience in property adjusting (home and farm owners), construction, estimating or insurance. Associates or Bachelors degree preferred.
Ability to demonstrate good interpersonal, active listening, and customer service skills to bring claim to a resolution in a timely manner. Includes being familiar with facts, patient, resistant to stress, persistent, empathetic, and decisive.
Ability to professionally present information regarding claim and respond to questions in one-on-one or group settings. Communication may be via the telephone phone, in person, or in written correspondence.
Ability to think logically and make decisions regarding claim using personal judgment, experience, and known facts and figures while following claims procedures to determine coverages, negligence, and damages.
Requires regular and predictable attendance to meet the customer needs of the position.
Must be able to maintain confidentiality and propriety of information.
Demonstrated ability to adhere to all Grinnell Mutual policies and incorporate Grinnell Mutual core values in all areas of work.
Working conditions and physical efforts
To perform this job successfully, an individual must be able to perform each essential function satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl; talk or hear; and taste or smell.
The employee must be able to climb ladder, work on rooftops, and maneuver ladder as needed. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 35 pounds, and occasionally lift and/or move up to 50 pounds.
Specific vision abilities required by this job include distance vision, peripheral vision, depth perception, and ability to adjust focus.
This job description is not intended to describe, in detail, the multitude of tasks that may be assigned, but rather to give the employee a general sense of the responsibilities and expectations of his/her position. As the nature of the business demands change, so too may the job duties and responsibilities.
