Catastrophe Outside Claim Representative, Trainee - Indianapolis
May 7, 2018
Full Time - Entry Level
4 Year Degree
Job Summary This is an entry level position that requires satisfactory completion of required training to advance to Claim Professional Outside Property CAT position. This position is intended to develop skills for investigating, evaluating, negotiating and resolving claims on losses of lesser value and complexity.
Provides quality claim handling throughout the claim life cycle (customer contacts, coverage, investigation, evaluation, reserving, negotiation and resolution) including maintaining full compliance with internal and external quality standards and state specific regulations.
As part of the hiring process, this position requires the completion of an online pre-employment assessment. Further information regarding the assessment including an accommodation process, if needed, will be provided at such time as your candidacy is deemed appropriate for further consideration.
This job does not manage others. This job works under Close Supervision: Work is reviewed at several steps along the way. (Generally pertains to trainee positions.)
Primary Job Duties & Responsibilities Completes required training which includes the overall instruction, exposure, and preparation for employees to progress to the next level position. It is a mix of online, virtual, classroom, and on-the-job training. The training may require travel.
The on the job training includes practice and execution of the following core assignments:
Requires extensive domestic/international travel and must be available for deployment within 24 hours of notification.
Handles 1st party property claims of moderate severity and complexity as assigned.
Completes field inspection of losses including accurate scope of damages, photographs, written estimates and/or computer assisted estimates.
Broad scale use of innovative technologies. Investigates and evaluates all relevant facts to determine coverage, damages and liability of first party property damage claims (including but not limited to analyzing leases, contracts, by-laws and other relevant documents which may have an impact), damages, business interruption calculations and liability of first party property claims under a variety of policies.
Secures recorded or written statements as appropriate.
Provides multi-line assistance in response to workforce management needs; including but not limited to claim handling for Auto, WC, GL and other areas of the business as needed.
Establishes timely and accurate claim and expense reserves.
Determines appropriate settlement amount based on independent judgment, computer assisted building and/or contents estimate, estimation of actual cash value and replacement value, contractor estimate validation, appraisals, application of applicable limits and deductibles and work product of Independent Adjusters.
Negotiates with multiple constituents, i.e.; contractors or insured’s representatives and conveys claim settlements within authority limits.
Writes denial letters, Reservation of Rights and other complex correspondence.
Properly assesses extent of damages and manages damages through proper usage of cost evaluation tools.
Meets all quality standards and expectations in accordance with the Knowledge Guides.
Maintains diary system, capturing all required data and documenting claim file activities in accordance with established procedures.
Manages file inventory to ensure timely resolution of cases.
Handles files in compliance with state regulations, where applicable.
Provides excellent customer service to meet the needs of the insured, agent and all other internal and external customers/business partners.
Recognizes when to refer claims to Travelers Special Investigations Unit and/or Subrogation Unit.
Identifies and refers claims with Major Case Unit exposure to the manager.
Performs administrative functions such as expense accounts, time off reporting, etc. as required.
May attend depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.
Ability to meet eligibility requirements to rent a vehicle required.
Must secure and maintain company credit card required. In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements. Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated. In order to progress to Claim Representative, a Trainee must demonstrate proficiency in the skills outlined above. Proficiency will be verified by appropriate management, according to established standards. Perform other duties as assigned.
High School Diploma or GED and one year of customer service experience OR Bachelor’s Degree required.
Valid driver’s license – required.
Education, Work Experience & Knowledge
Bachelor’s Degree preferred or a minimum of 2 years of work OR customer service related experience preferred
Job Specific & Technical Skills & Competencies
Demonstrated ownership attitude and customer centric response to all assigned tasks
Basic Verbal and written communication skills
Intermediate Attention to detail ensuring accuracy
Basic Ability to work in a high volume, fast paced environment managing multiple priorities
Basic Analytical Thinking
Basic Judgment/ Decision Making – Basic
Environmental/Work Schedules/Other Exposure to Excess Noise – Occasionally Exposure to Dirt, Dust, Fumes, Smoke, Gases, or Other Irritating Substance – Frequently Exposure to Variable Weather Conditions – Continuously Operate or work around moving machinery – Occasionally This position requires the individual to access and inspect all areas of a dwelling or structure which is physically demanding requiring the ability to carry, set up and climb a ladder weighing approximately 38 to 49 pounds, walk on roofs, and enter tight spaces (such as attic staircases and entries, crawl spaces, etc.). While specific territory or day-to-day responsibilities may not require an individual to climb a ladder, the incumbent must be capable of safely climbing a ladder when deploying to a catastrophe which is a requirement of the position. Weekend work hours – Continuously Overnight work hours – Continuously Holiday work hours (Federal and religious) – Continuously Travel – Continuously The required standard tour length is 28 consecutive workdays, plus 2 travel days Incumbents who fill this position will be subject to periodic post-hire criminal background checks while employed in this position. As a condition of acceptance for the position, selected candidates for this position will be required to electronically accept the Fair Credit Reporting Act (FCRA) Disclosure Statement and Authorization included in the online employment application. You may also be subsequently asked to accept similar FCRA authorizations periodically throughout your employment with the Company. This is a virtual position.
Physical Requirements Operates standard office equipment – Continuously Sitting (can stand at will) – Continuously Standing – Continuously Climbing unprotected heights (ladder, rooftop, stairs, loading dock) – Frequently Use of Keyboards, Sporadic 10-Key – Continuously Working in a confined or restricted area – Frequently Driving -Continuously Lifting items up to 50 pounds – Frequently
Licensing or Certificates Valid passport preferred.
Internal Number: 15391BR
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