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Sr. General Liability Claims Adjuster – Must have CA Habitational Experience

Published
September 15, 2022
Location
Nationwide, Remote
Category
Job Type

Description

Claim metrics must be kept current. Handle a caseload of up to 150 pending claims that may include some levels of complexity. Establishing facts of loss, coverage analysis, investigation, compensability/liability/negligence determination, coordination of medical care (as appropriate), litigation management, damage assessment, settlement negotiations, identifying potential fraud, and appropriate use of authorized vendors. It also includes timely and appropriate reserve analysis and reports completion. Ability to attend conferences, and client meetings, mentor other adjusters and assist management as requested. All file handling must be within state statutes, Client Claims Handling Guidelines, and NARS Best Practices. Other miscellaneous duties as assigned, which may include travel. Must have CA Habitational experience.

Essential Duties and Responsibilities:

Coverage:

  • Identify, analyze and confirm coverage.

Customer Service/Contact:

  • Make first contact with parties and clients within eight business hours.
  • Contact appropriate parties and providers to determine liability, compensability, negligence, and subrogation potential.
  • Contact appropriate parties to obtain any needed information and explain benefits as appropriate. Continue contact throughout the life of the file as appropriate.
  • Answer phones, check voice mail regularly, and return calls as needed.
  • Assist with training/mentoring of Claims Adjusters.
  • Assist management when required with projects or leadership as requested.
  • Handle the various duties/responsibilities of the Assistant Unit Manager/Unit Manager as delegated in their absence.

Subrogation:

  • Refer all files identified with subrogation potential to the subrogation department.
  • Maintain closing ratio as dictated by the management team.
  • Close all files as appropriate in a timely and complete manner.

Investigation:

  • Verify loss facts and pertinent claims such as employment, wages, or damages and establish disability with treating physicians as appropriate.
  • Identify settlement cases. Evaluate claims, request authority no later than 30 days before the mediation date, and negotiate a settlement.
  • Evaluate and negotiate liens.
  • Recognize and report potential fraud cases.

Litigation Management:

  • Develop and direct a litigation plan with a defense attorney (if assigned), utilizing all defenses and tools to bring the file to closure. Ensure all filings and state-mandated forms are completed timely. Litigated files must be diaried effectively based on current activity, but no greater than every 60 days.
  • Review claim files involving active litigation every month and document responses to filings, development of defenses, depositions, and timely referral to defense counsel.
  • Direct the actions of defense counsel on litigated files.
  • Attend mediations and trials as required for cost-effective litigation management.

Reserves:

  • Establish ultimate reserves (anticipated cost to bring the file to close based on known facts) as soon as practical and monitor to adjust at any exposure-changing event.
  • Pay all known benefits, ensuring they are paid timely on state statute.
  • Verify all provider bills have been appropriately reviewed and paid within standard timeframes.

Reporting Requirements:

  • Report all severe injuries/liability issues, and potentially significant loss claims to the client and/or reinsurer based upon the criteria provided by the client.
  • Must pass all internal and external audits, which include those performed by regulatory agencies, carriers, and clients.
  • Follow reporting requests as outlined by client files and NARS guidelines.

Qualification Requirements:

Education / Licensing:

  • High School Diploma or equivalent required, 2-year degree or higher preferred.
  • 7+ years of prior claim adjusting experience, preferably in the line of business being handled.
  • Must have 7+ years of heavy litigation experience for all other lines except Worker’s Compensation
  • Must have 5+ years of Construction Defect or similar/related experience if handling that line of business.
  • Must be eligible for reserve/payment authority level of $50,000+ when appropriate
  • Must possess, or have the ability to obtain, a Florida Adjuster’s license or other required jurisdictional licensing.

Technical skills:

  • Requires ability to negotiate claims and direct litigation.
  • Must have interpersonal skills to handle sensitive and confidential situations and information.
  • Requires ability to negotiate claims and direct litigation.
  • Must have negotiation and litigation skills for significant work with attorneys and arbitration on first and third-party claims.
  • Requires ability to work independently.
  • Requires organization and time management skills.
  • Must possess written and verbal communication skills.
  • Must be able to explain and appropriately respond to auditors, clients, and potential clients during in-person presentations.

Abilities:

  • Requires extended periods of sitting.
  • Must be willing to attend local NARS office meetings on occasion.
  • Requires working indoors in environmentally controlled conditions.
  • Requires lifting of files and boxes up to approximately 20 pounds.
  • Repeated use of a keyboard, mouse, and exposure to computer screens.
  • Requires travel for mediation, as assigned.
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