Adjuster Trainee

Job Description

Job Description

Pay : $50K

Full time

Benefits available

Primary Purpose : Investigate insurance claims; obtain all necessary information to evaluate claims and expedite settlement. Candidate must reside in one of the following counties : Kingfisher, Logan, Canadian, Oklahoma, Grady, Cleveland or McClain County. This is not a remote position.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Investigate all lines insurance claims within assigned territory and limits of authority; responsible for the accurate and efficient completion of all phases of claims processing from inception to settlement.
• Investigate personally and / or in conjunction with Specialist major losses, complex liability / fire damage claims, catastrophe, multiple bodily injury claims and litigation cases.
• Obtain (via telephone, correspondence or personal visit) loss reports, insured / witness / claimant statements, medical / police reports, appraisals, repair estimates, etc., as required; take photos as indicated.
• Confirm coverage for new claims and set reserves amounts; follow up on necessary information; and record diaries for scheduled review of files; issue payment & correspondence as needed.
• Analyze all accumulated data, reports, photos, etc. and evaluate claims; determine coverage and extent of loss / liability; prepare corresponding claims summaries.
• Settle claim within limits of authority; issue drafts / checks for claim payment and obtain required liability releases upon settlement; close claims files.
• Confer with District Claims Manager regarding complex claims or when potential exposure exceeds settlement authority.
• Periodically review all open claims files assigned to adjuster, obtain any necessary information and adjusting reserve amounts as needed.
• Travel to county offices as needed.  Travel to serve on storm teams to assist with any other catastrophe losses as required.
• Maintain company car in serviceable condition; prepare / submit weekly expense account.

Competencies

To perform the job successfully, an individual should demonstrate the following competencies :

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of knowledge, skill, and / or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and / or Experience

Bachelor’s degree from four-year college or university, and / or two to four years related experience and / or training or equivalent combination of education and experience.

Employee is expected to participate in continuing education program(s).

Skills and Knowledge

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations, insurance policies and contracts. Ability to write reports and business correspondence. Ability to effectively present information and respond to common inquiries or complaints from groups including but not limited to managers and supervisors, company departments, insureds, third parties, witnesses, doctors, attorneys, agents, county offices and other insurance companies.

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rate, ratio and percent and to draw and interpret bar graphs.

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

To perform this job successfully, an individual should have knowledge of computers and computer systems.

Valid driver’s license or obtainment of valid Oklahoma driver’s license is required. Satisfactory driving record is a condition of employment. Current Oklahoma adjuster license or obtainment of valid Oklahoma adjuster’s license is required.

Must have investigative skills and a proven ability to work with people and solve problems. Ability to manage stress due to high volumes of work, long hours, and dealing with discontented insureds and / or third parties. Employee is expected to maintain regular attendance.

Work unscheduled hours and some travel.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. This is not a remote position. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is frequently exposed to outside weather conditions.  The employee is occasionally exposed to wet and / or humid conditions; moving mechanical parts; high, precarious places; fumes and airborne particles; extreme cold; extreme heat and risk of electrical shock. The noise level in the work environment is usually moderate.

WE ARE AN EQUAL OPPORTUNITY EMPLOYEROklahoma Farm Bureau & Affiliated Companies does not discriminate on the basis of race, color, religion, national origin, sex, age or disability. It is our intention that all qualified applicants are given equal opportunity and that selection decisions be based on job-related factors.

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