Job Description

Job Description

Job Description

Casualty Claim Adjuster

Location: Omaha, NE Office – In Office Position

Join our collaborative team where effort and work ethic get noticed. Enjoy a positive, friendly, energetic work environment with accessible leadership, where you will have the opportunity to learn the insurance industry and valuable skills while we invest in your future career with us.

Why Stillwater? Stillwater Insurance Group is a mid-sized national insurance provider offering a variety of home, auto and commercial insurance products in 50 states. We are headquartered in Jacksonville, Florida, with additional offices in New York and Omaha, Nebraska. We offer an up-beat and supportive environment for a new team-member who brings a positive attitude, reliable work habits, attention to detail and an interest in learning. Our employees consistently describe Stillwater as a great company with great people where honesty and integrity are high priorities. Coaching and development, recognition and growth opportunities are some of the benefits of working in our small team environment.

Position Overview:

As a Claims Adjuster, you will be responsible for the entire lifecycle of insurance claims, from researching and investigating coverage to final resolution. You will ensure that all claims are managed promptly, professionally, and accurately, with a focus on customer service, effective communication, and thorough analysis. You will also travel occasionally to inspect losses, attend settlement conferences, and conduct field investigations.

Principal Duties & Responsibilities:

• Coverage Research & Application : Investigate, research, and apply coverage for a broad range of residential and commercial policies in all 50 states, ensuring accurate analysis of policy language and claim facts.
• Claims Resolution : Resolve coverage questions swiftly and protect Stillwater’s rights under its policies, while composing position papers, resolution plans, and related correspondence.
• Correspondence : Write non-waiver, reservation of rights letters, disclaimers, and other essential claim resolution documents.
• Communication : Professionally manage all communications with parties involved in the claims process. Respond to calls within one hour and maintain timely updates.
• Strategic Claim Handling : Utilize various resources (e.g., remote photo capture, independent adjusters) to efficiently manage claims and resolve issues.
• Financial Accountability : Ensure proper claim and expense reserving practices, and adjust reserves as needed based on claim development and applicable legal standards.
• Investigation & Documentation : Conduct thorough investigations, provide task instructions for outside resources, and ensure files are well-documented to justify all decisions.
• Fraud Detection : Recognize and report fraud indicators, collaborating with the SIU (Special Investigations Unit) when necessary.
• Subrogation & Recovery : Identify and pursue subrogation and salvage opportunities in a timely manner.
• Litigation Management : Strategize litigation plans to minimize loss costs, and negotiate settlements effectively with stakeholders.
• Legal Expense Management : Assist in managing the legal expenses of defending lawsuits and avoid unnecessary litigation.
• Customer Service : Provide exceptional customer service, diffuse conflicts, and honor commitments. Participate in after-hours call rosters as needed.
• Compliance : Ensure adherence to all applicable Unfair Claim Practice Acts, insurance codes, and company best practices.

Minimum Job Requirements:

• Education : Bachelor’s Degree (BA/BS/BBA) or equivalent combination of education and experience.
• Experience : Extensive knowledge of property and casualty policies, loss reserving, and development skills.
• Skills :
  • Strong analytical, problem-solving, and decision-making abilities.
  • Excellent verbal and written communication skills.
  • Working knowledge of MS Excel and industry-specific software.
  • In-depth understanding of damage estimating and repair techniques for residential construction.
  • Exceptional investigation and customer service skills.
  • Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Licensing : Must maintain adjuster licenses and fulfill continuing education requirements for the states assigned.
• Travel : Occasional travel for inspections, investigations, and conferences.

Apply today to start your journey of being celebrated and valued with Stillwater Insurance Group.

Offer is contingent upon a favorable response from both a pre-employment background investigation and a drug screen.

Stillwater Insurance Group is an equal opportunity employer and a drug free workplace.

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