Field Adjuster - Complex Field Specialist
This is a remote role, must be based in Southern California, ideally San Diego area.
Job Summary:
Analyzes and reviews claims for accuracy, completeness and eligibility. Resolves claims by investigating losses, calculating and negotiating settlements. Prepares and maintains reports and records for processing.
Investigates, evaluates, reserves, negotiates and settles assigned claims in accordance with Best Practices. Provides quality claim handling and superior customer service on assigned claims, while engaging in indemnity and expense management. Promptly manages claims by completing essential functions including contacts, investigation, damages development, evaluation, reserving, and disposition.
Essential Duties and Responsibilities:
Follow and maintain claims management guidelines to determine insurance coverage by examining claims
forms, policies, and other records as appropriate.
Perform detailed investigations by coordinating field audits, and performing in-depth interviews both telephone
and in person to research claims. Resolves claims by comparing claim information with evidence obtained to
determine eligibility.
Settles claim by determining insurance carrier’s liability and negotiating agreement with appropriate parties
according to company policy provisions
Collects, updates and maintains all claim documentation including statements, pictures, reports, estimates, etc.
and verifies the accuracy and completeness of claim forms.
Reports on pending claims and findings to the Claims Manager
Provide updates on customer problems and safety or policy violations. Responds to inquiries and requests for
information from customers and staff.
Identifies exposures to the company and facilitates senior-level management’s knowledge of pending claims and
litigation that may have an adverse impact on the corporate goals.
Acts as the liaison to attorneys, insurance companies and individuals investigating any incidents that may result
in asset loss.
Travels within an assigned region in the course of processing claims.
Maintains the integrity of the company and products offered by complying with federal and state regulations as
well as company policies and procedures.
Communicates with co-workers, management, clients, vendors, and others as needed in a courteous and
professional manner.
Maintains the integrity of the company and products offered by complying with federal and state regulations as well
as company policies and procedures.
May perform other duties and responsibilities as assigned.
Job Qualifications:
A High School Diploma or equivalent is required; Associate’s Degree preferred. A combination of education and
significant directly related experience may be considered in lieu of degree.
Three to five years of experience processing claims; in the property and casualty segment preferred.
Demonstrated ability to research, conduct proactive investigations and negotiate successful resolutions.
Proficiency with Microsoft Office products required; claims software and internet research tools preferred.
Experience with Xactware products preferred.
Demonstrate customer service focus / superior customer service skills.
Ability to work in a fast paced environment; ability to multitask.
Collaborative partner; ability to contribute to a positive work environment.
Excellent communication skills and ability to interact on a professional level with internal and external personnel
Results driven with strong problem solving and analytical skills.
Ability to work independently in a fast paced environment; meets deadlines, and manages changing priorities
effectively.
Detail-oriented and exceptionally organized
Collaborative partner; ability to contribute to a positive work environment.
Ability to climb, kneel, and crawl required; may worked in confined spaces. Ability to lift and move items up to
30 lbs. alone; more with assistance from a partner.
This position is based within an assigned region; travel throughout the region is required with occasional travel to locations beyond the assigned region. Company paid pre-employment drug test and health screening required
General Information:
All employees must pass a pre-employment background check. Other checks may be needed based on position: driving history, credit report, etc.
The preceding job description has been designed to indicate the general nature of work performed; the level of knowledge and skills typically required; and usual working conditions of this position. It is not designed to contain, or be interpreted as, a comprehensive listing of all requirements or responsibilities that may be required by employees in this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.
Heritage Insurance Holdings, Inc. is an Equal Opportunity, Affirmative Action Employer. We will not discriminate unlawfully against qualified applicants or employees with respect to any term or condition of employment based on race, color, national origin, ancestry, sex, sexual orientation, age, religion, physical or mental disability, marital status, place of birth, military service status, or other basis protected by law.
