Property Adjuster- Trainee

The Property Adjuster -Trainee will partner with subject matters experts to learn every facet of the claims process. Members of the program will apply key learnings to effectively determines and communicates the extent of loss or damage associated with commercial property claims in a variety of business classes. The Property Adjuster- Trainee will be assigned loss or damage assessments in a low to moderate cost range, based on experience and demonstrated aptitude for handling larger or more complex claims.

This position is a great entry-level career opportunity and/or a great position for someone with several years of industry experience who wants to continue to learn and grow in the insurance industry.

PRIMARY JOB RESPONSIBILITIES :

• Apply knowledge learned to conduct property inspections and photographs claim sites as necessary to depict and substantiate losses or damage.
• Display understanding of insurance policies to establish appropriate loss estimates and demonstrates understanding of a variety of coverage and loss types.
• Investigate insurance claims in a variety of commercial settings.
• Gather information from insured and from experts (i.e. architects, engineers, builders etc.) to assess the extent of the loss accurately.
• Collaborate with carrier’s examiners as needed to conduct investigations, confirm findings and support evaluations.
• Ensure the accuracy of information collected, reported and guards against fraudulent claims, based on critical issues identified.
• Prepares accurate and detailed reports to insurance carriers on conclusions and recommendations.
• Follows established best practices in preparing information and submits documentation timely.
• Effectively uses software systems such as Xactimate as necessary to produce accurate estimates.
• Obtains supervision or guidance as necessary, and in accordance with EMA’s best practices, in formulating recommendations and completing evaluations and reports.
• Participates in ongoing training and development as assigned or approved to assure knowledge and skills remain current and comprehensive.
• Functions as an effective member of the team, assisting co-workers as needed and learning from colleagues and supervisors.
• Upholds “Our Foundation” by consistently demonstrating professionalism, inspiring trust through integrity and accountability, delivering exceptional service and always working as a team.
• Adheres to all applicable State Insurance Regulation requirements and other applicable laws, regulations, and standards; assumes personal responsibility for maintaining the requisite state license for the state(s) assigned.

REQUIRED EDUCATION & EXPERIENCE :

• Bachelor’s degree or equivalent work experience
• Ability to obtain a license and bond in the assigned state(s).

Desired Knowledge, Skills & Abilities :

• Detail-oriented, analytical and the ability to research, investigate and problem solve
• Excellent written and verbal communication skills
• Ability to manage multiple priorities to and meet deadlines
• Demonstrates effective interpersonal, collaboration and listening skills to interpret client needs and drive results.
• Ability to analyze and interpret data and apply understanding in a complex environment
• Ability to work both independently and as part of a team
• Basic mathematical and statistical skills
• Intermediate Microsoft office skills.
• Ability to maintain confidentiality with sensitive information while performing all duties with integrity, personal accountability, and adherence to standards of ethical behavior and professional standards.

WORKING CONDITIONS :
Frequently requires work to be performed at the site of the property damage or loss, including locations where disasters or catastrophes have occurred; may require evening, overnight, and weekend travel and work; incumbent may be subject to outside weather and environmental conditions, including, but not limited to, extreme heat, cold, and precipitation; incumbent may be exposed to inside environmental conditions, including, but not limited to noise, vibrations, proximity to moving mechanical parts, electrical current, heights, chemicals, fumes, odors, dusts, mists, gases, or poor ventilation.

The incumbent may be required to work in close quarters, crawl spaces, small enclosed rooms, narrow aisles, passageways, or other enclosed areas, requiring physical agility and resistance to claustrophobia. The incumbent may be required to work in high areas such as roofs or scaffolding, requiring physical agility, balance, and resistance to acrophobia.

PHYSICAL ACTIVITIES AND REQUIREMENTS :

In addition to the working conditions and associated physical activities and requirements above, the incumbent may be required to climb, balance, stoop, kneel, crouch, crawl, reach, stand, walk, push, pull, lift, finger, grasp, or feel, especially in the course of investigating and assessing property damage; these requirements may include the need to lift weights of up to 50 pounds, including a ladder.

The work requires close visual acuity, with or without correction, to prepare reports containing words, symbols, and numerical figures; the incumbent is required to view a computer terminal, use a keyboard, read printed documents, make detailed visual inspections, perceive color, perceive depth, and have a sufficient field of vision to carry out all inspection and related duties.