Nationwide Property Field Claims Reprepresentative III - Private Client in Los Angeles, California
*Nationwide Private Client is seeking a very experienced Property Large Loss asjuster to fill a field role in southern California territory.
JOB SUMMARY: Evaluate, negotiate, and bring to final resolution large personal lines property losses (structure and contents) from $50K to $350K while maintaining high member engagement. These losses will be high exposure, complex, coverage laden and will involve high profile, affluent and high net worth customers. Affluent customer property to include high end building material, fine arts, antiques, collectables and contents. Some homes may involve custom builds, designs and materials.
REPORTING RELATIONSHIPS: Reports to Claims Manager
CORE JOB DUTIES & RESPONSIBILITIES:
Conducts on-site field investigations and/or field re-inspections of large exposure personal lines claims and coordinates rebuilding of damages with contractors, various trades and architects. Will support and partner with SIC and NWI on Personal/Commercial losses for field inspections. Participates in complex litigated and non-litigated claims and provides technical assistance and consultation to state/regional leadership and claim associates.
Completes onsite Xactimate estimates, thorough investigations, photos, and narrative reports. Obtains medical reports, appraisals, estimates of property damage and evaluates bodily injury claims as needed. When necessary will be required to coordinate and review work performed by vendors.
Serves as a mentor for field claims associates to develop their technical and building knowledge and may provide advice, counsel, or formal training to these associates.
Delivers a positive customer service experience with clear service expectations to all internal, external, current and prospective Crestbrook customers. Adheres to high standards of professional conduct while providing the delivery of superior claims service support and work product.
Participates in CAT events as requested by the Technical and or Field Office.
Prepares/reviews reservation of rights, non-waiver agreements and denials of coverage when appropriate.
Opens, closes and adjusts reserves in accordance with company practices designed to ensure reserve adequacy. Recommends Special Reserves where necessary.
Maintains current knowledge of: court decisions which may impact the claims function; current principles and practices in the claims function; material damage techniques and repair technology innovations; and policy changes and modifications. May be required to maintain knowledge of other functions within assigned discipline. This may require attendance at various seminars or training sessions.
Accurately pays claims based on policy provisions, state mandates and/or fee schedules. Authorizes and/or approves all claim payments within granted authority associated with the claim, which may include litigation expense. Creates and analyzes severe incident reports, reinsurance reports and other information to home office, claims management, and underwriting
Partners with SIU and Subrogation to identify fraud and subrogation opportunities. Assists or prepares files for suit, trial, or subrogation. (Property/MD/Casualty). Consults claims staff and defense counsel for discovery processes, suit file/trial strategy as related to case-specific issues and other duties as required.
Performs other duties as assigned.
MINIMUM JOB REQUIREMENTS:
Education: Undergraduate degree or equivalent experience preferred.
License/Certification/Designation: State licensing where required. Professional development such as IIA or CPCU preferred
Experience: Five to eight years claims handling experience including two years field property experience, experience handling complex claims, all lines, personal, and/or errors and omissions including bodily injury, extensive material damage and/or questionable liability. Some positions may require litigation experience.
Knowledge: Proven knowledge of insurance theory and practices, insurance contracts and their application. Advanced knowledge of causality claims best practices, medical terminology and the legal aspects of court procedures affecting legal liability for all lines of insurance. Excellent customer focus and proven ability to proactively meet customer needs. Analytical skills necessary to make decisions and resolve conflict in application of coverage, laws of jurisdiction to investigation facts, policy exclusions and exceptions. Ability to establish repair requirements and cost estimates for extensive losses and serves as a subject matter expert on respective claims projects. Proven organizational skills to effectively prioritize increased and more complex workloads. Demonstrates strong but flexible standards and can can be seen as balanced based on the conflicting demands of the position. Excellent written and verbal communication skills necessary to effectively communicate and/or negotiate with various audiences. Demonstrated leadership capabilities to effectively train, coach, and provide feedback to less experienced associates.
Skills/Competencies: Proven ability to meet customer needs and provide exemplary service by informing customers of the claims process and ensuring a positive customer experience. Proven analytical and problem solving skills necessary to make decisions and resolve conflict in such areas as application of coverage to submitted claims, application of laws of jurisdiction to investigation facts, application of policy exclusions and exceptions. Proven ability to establish repair requirements and cost estimates for property losses. Proven ability to direct defense counsel in suit handling from inception to conclusion. Proven organizational skills to effectively prioritize work. Oral and written communication skills necessary to effectively communicate and/or negotiate with policyholders, claimants, repair persons, attorneys, physicians, agents, and general public. Proven ability to operate personal computer and related claims and business software.
Values: Regularly and consistently demonstrates the Nationwide Values and Guiding Behaviors.
Staffing Exceptions to the above Minimum Job Requirements must be approved by the: hiring manager’s leader and HRBP.
Overtime Eligibility: Eligible (Non-Exempt)
Working Conditions: Normal office or field claims environment. May require ability to sit and operate telephone and personal computer for extended periods. Representatives may be required to operate an automobile and have a valid driver's license with a safe driving record. Must be able to make physical inspections of property loss sites. Must be able to climb ladders, balance at various heights, stoop, bend and/or crawl to inspect vehicles and structures. Must be able to work out-of- doors in all types of weather. Must be willing to work irregular hours and to travel with possible overnight requirements. May be on-call. Must be available to work catastrophes (CAT). Extended and/or non-standard hours as required.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
Credit Check: Due to the fiduciary accountabilities within this job, a valid credit check and/or background check will be required as part of the selection process.