Job Description

Job Description

Job Description

Job description

Position Purpose:

Responsible for the investigation, negotiation and resolution of property loss claims. This includes assessing damages and writing the estimate of repairs or replacement using Xactimate. Responsible for documenting and organizing claim records to support payment. Must apply the appropriate policy coverage and legal analysis for payment of claims.

As an exempt employee, this position is paid to get the job done, which may mean additional hours will need to be worked, depending on the circumstances.

The employee customarily and regularly exercises independent judgment and discretion.

Essential Job Functions and basic duties:

1. Maintains high standards for customer service relations. This includes prompt contact and follow up to resolve claim issues as well as actively pursuing claim investigation to reach an expedient resolution.

2. Conducts a thorough investigation of coverage, liability and damages. Must maintain supporting evidence for payment or denial.

3. Inspection and documentation of damages. This may include photos, inventories, scope of damage, diagrams, etc.

4. Coordinates repairs or replacement of damaged property, temporary housing, emergency restoration and contents replacement.

5. Negotiates claim to a fair resolution.

6. Responsible for conducting risk analysis for home safety standards in a report form.

7. Prepares cost estimator to establish insurance to value.

8. Maintains an adequate claim reserve for anticipated loss and claim expense payments.

9. Responsible for managing costs in association with all aspects of recovery (subrogation, salvage and reinsurance), as well as loss adjustment expenses.

Qualifications:

Education/Certification: College degree or equivalent training.

Required Knowledge:

Working knowledge of auto & property damage estimating.

Working knowledge of computer related applications.

Working knowledge of Home & Auto construction.

Understanding of Insurance policy contracts and coverage.

Understanding of the Utah Unfair Claim Practices Act.

Experience Required:

3+ years prior claims handling or damage repair experience.

2+ years prior property loss estimating.

Skills/Abilities:

Excellent communication and public relations skills.

Well organized and attentive to detail.

Excellent negotiation skills.

Strong computer skills.

Ability to resolve conflict amicably.

Clean driving record.

Job Type: Full-time

Pay: $70,000.00 - $95,000.00 per year

Benefits:

Bear River Mutual offers impressive benefits including: 120 hours of PTO for first-year employees, profit sharing up to 8%, a pension after five years of employment, medical and dental plans, HSA employee contributions, company 401k match up to 4%, and a hybrid work schedule. Pays $50,000 - $70,000 based on experience.

About Bear River Mutual

Bear River Mutual, established in 1909, is Utah's oldest and largest personal lines property and casualty insurance company headquartered in Murray, Utah. The company's dedication to the Utah market and focus on high-level service have created loyal customers for over 100 years. Bear River Mutual has been recognized for its success and named one of Utah's Best Companies to Work for by Utah Business Magazine.

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