About Us
The Philadelphia Contributionship is the oldest successful property and casualty insurance company in the United States, having been founded by Ben Franklin in 1752. We write homeowners insurance in Pennsylvania, New Jersey, Delaware, Maryland, and Virginia. We have an A- (Excellent) rating from A.M. Best and have been consistently recognized as one of the Top Workplaces in the Philadelphia area. Our office is located in the Old City section of Philadelphia, just steps from Independence Hall.
Position Summary
Experienced personal lines Property field claims adjuster responsible for outside and inside adjustment and settlement of all types of first party property losses through proper execution of Claims Best Practices in the Philadelphia area.
Essential Functions
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Investigates claims by interviewing policyholders, taking statements and inspecting and documenting damages.
- Using company approved estimating platform and other technology provided, writes and prepares damage estimates to determine the fair value of losses within authority.
- Sets accurate case reserves based on known damages and in accordance with Claims Best Practices, adhering to the established claim adjustment standards.
- Prepares a variety of forms pertinent to loss payments and file documentation, (ie. ISO, Metropolitan, 360 report, Proof of loss, Statement of Loss, Underwriting Alerts, and Claim Reports).
- Thoroughly documents the claim management system with all communication and information obtained in the course of investigation.
- Strives for an optimal customer service experience by maintaining thorough communication with the policyholder and agent when applicable, and by issuing timely and accurate payments subject to the terms of the insurance contract.
- Prepares Reservation of Rights and Denial drafts for Supervisor approval when applicable
- Negotiates and settles claims in accordance with all state specific compliance and regulatory laws as well as company Claims Best Practices.
- Identifies potential subrogation opportunities on all assigned losses and refers viable cases to the Subrogation team.
- Develops and maintains working relationships with vendors in the construction/repair industry.
- Handles third party liability field investigations as needed.
- Evaluates and settles all claims within settlement authority.
- Special projects as assigned.
Desirable Education and Experience
The ideal candidate should have a college degree or insurance designations, in addition to a minimum of 5 years’ experience adjusting personal lines property claims with strong Xactimate estimate writing skills. Experience working with public adjuster handled claims is necessary in order to be successful in this role. Time management and organizational skills are essential competencies in this fast-paced role.
Minimum Knowledge, Skills, And Abilities
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Proficiency in Xactimate. Skills will be tested prior to hire.
- Experience handling losses up to and above $50K. Estimates above $100K is a plus
- Excellent verbal and written communication skills required.
- Operate a computer and be proficient in accessing/inputting information from/to the Claims Management Software programs such as Guidewire or similar, Xactimate, Microsoft Word, Excel, Hi Marley, etc.
- Superior customer service skills proven through demonstrating prior success in this competency
- Ability to work independently with little direct supervision, though Supervisors will be readily available and support your success in the role.
- Proven organizational and time management abilities.
- Valid driver’s license and clean driving record.
Physical Demands
Must be able to visit loss sites in company provided vehicle, perform inspections of damage which may include fire, water, smoke, soot, hail, wind, lightning losses at homes with structural, environmental, or other damage. Handling equipment of varying weights and bulk may be required. Must be willing and able to inspect a roof by ladder if needed. Must be prepared to travel out of territory to support the needs of neighboring states as needed.
Working Environment
This position is remote with travel to loss sites required. Company car, laptop and cellphone are provided along with any needed safety equipment. Must be available to travel to office in Philadelphia for meetings as required. Home Office offers a desk location if desired.
To Apply
Applicants should forward resumes to Human Resources at The Philadelphia Contributionship, 210 S. 4th Street, Philadelphia, PA 19106.
This job description outlines the primary duties of the role but is not intended to limit or restrict additional responsibilities that may be assigned.
