• Sr Homeowners Liability Adjuster

    Location US-TX-Richardson
    Job ID
    35492
  • Summary

    Esurance is looking for a Sr Homeowners Liability Adjuster to join a dynamic and award-winning team of individuals who are committed to making insurance smarter, easier, and dare we say- cooler. As part of a growing company that is focused on providing an outstanding customer experience, you’ll have the opportunity to expand your skills and discover your potential.

     

    If you’re looking for a career at a socially conscious company that offers great benefits — including matching 401k and tuition reimbursement — then you may have just found your new home. 

     

    Esurance combines the spunk of a startup company with the backing of Allstate (the largest publicly held personal lines insurer in the U.S.) to create a unique, energized, and exciting place to work. 

     

    Responsibilities

    The Sr Homeowners Liability Adjuster handles third-party liability claims involving both bodily injury and property damage losses. This role focuses on investigating, negotiating and settling these liability claims for our homeowner and renter policies. Delivers and maintains exceptional customer service throughout the life of the claim.
    Job Responsibilities:

    • Understands concepts of coverage, policy interpretation, exposure recognition and personal liability determination to analyze and move claims towards resolution.
    • Analyzes facts of loss, damages, and possible exposure potential for proper reserving. Investigates injury with autonomy.
    • Documents files to include all key activities, contacts made, statements taken, including outline covering all aspects of the claim and for resolution; negotiates settlement with claimants.
    • Determines liability exposure for moderate to significant losses, to include complex comparative negligence issues. Adjusters will explore all settlement opportunities/tools for resolution.
    • Assigns inspection assignments and determines loss of use as needed.
    • Works with property claims to determine accuracy of estimates/scope of work.
    • Works with company-approved resources, such as independent adjusters, engineers, cause and origin experts, leak detection companies, mitigation companies, and managed contractor networks.
    • Identifies referrals, completes proper summaries and forwards files to subrogation for collection in a timely manner
    • Refers files for specialization such as SIU focus, minor damage focus and sends correspondences related to claim and department regulations.
    • Reviews demand packages and complete evaluations in accordance with the best practices.
    • Reviews medical records and bills to validate accuracy of services provided.
    • Determines the utilization of outside investigators or experts to assist in the review or investigation of more complex claims.
    • Completes complex bodily injury evaluation summary including liability, damages, causation, diagnosis, treatment, reserves, and general damages; Evaluates claimed injuries including soft tissue objective, and subjective complaints. Utilizes expert systems to assist in the review and evaluation of claims.
    • Adjuster may attend arbitrations and/or settlement conferences
      Qualifications:
    • Detail-oriented with strong organizational, negotiation, influential, and customer service skills, able to work well under deadlines in a changing environment and perform multiple tasks effectively and concurrently.
    • Demonstrated ability to work effectively independently and within a collaborative team oriented environment using sound judgment in decision-making.
    • Demonstrated ability to manage relationships with both internal and external customers.
    • Excellent communication skills both oral and written with strong presentation skills.
    • Strong analytical and problem solving skills.
    • Demonstrated knowledge with MS Office products (Outlook, Word, Excel, PowerPoint) and claims related software applications.
    • Demonstrated knowledge of property damage liability claims.
    • Demonstrated knowledge with handling complex claims involving issues of coverage.
    • Demonstrated knowledge of medical treatments, receiving and negotiating liens with healthcare providers and worker?s compensation carriers for third party injury claims.

    Experience / Education:

    • Bachelor's degree in Business Administration, a related field, and/or equivalent education required.
    • Seven or more years of property liability claims adjuster experience.

    Qualifications

    • Detail-oriented with strong organizational, negotiation, influential, and customer service skills, able to work well under deadlines in a changing environment and perform multiple tasks effectively and concurrently.
    • Demonstrated ability to work effectively independently and within a collaborative team oriented environment using sound judgment in decision-making.
    • Demonstrated ability to manage relationships with both internal and external customers.
    • Excellent communication skills both oral and written with strong presentation skills.
    • Strong analytical and problem solving skills. 
    • Demonstrated knowledge with MS Office products (Outlook, Word, Excel, PowerPoint) and claims related software applications.
    • Demonstrated knowledge of property damage liability claims.
    • Demonstrated knowledge with handling complex claims involving issues of coverage.
    • Demonstrated knowledge of medical treatments, receiving and negotiating liens with healthcare providers and worker's compensation carriers for third party injury claims.

     

    Experience / Education:

    • Bachelor's degree in Business Administration, a related field, and/or equivalent education required.
    • Seven or more years of property liability claims adjuster experience.

     

    Background Check / Licensing:

     

    • As part of the hiring process at Esurance, a pre-employment background check for all new hires will be run which includes employment, education, and criminal verifications. Additionally, for licensed positions you will be required to obtain and maintain licensure in one or more states which includes fingerprinting and an FBI check which will go back as far as your history allows.
    • Your ability to obtain and maintain employment will be contingent on your ability to be licensed in all required states. Failure to obtain and maintain those licenses may affect your employment status.

    Benefits

    At Esurance, being committed to our employees is not just something we say, it’s something we do. Our benefits package is designed to help our associates stay healthy, meet their long-term financial goals, and balance the demands of work and personal life. Esurance rewards hard work, dedication, and creativity with competitive salaries and a generous bonus system. We are committed to our employees and we are dedicated to creating a diverse, positive, innovative and team-oriented work environment.

    Health & wellness

    • Medical, vision, and dental insurance
    • Life insurance (company-paid and supplemental)
    • Accidental death and dismemberment coverage
    • Wellness coaching and incentives
    • Group critical illness coverage
    • Accident indemnity and hospital indemnity plans
    • Group legal

    Savings

    • 401(k) plan with annual matching contribution
    • Referral bonuses
    • Performance-rewarding bonus system
    • Tuition assistance program (up to $5,250 per year)
    • Health savings and flexible spending accounts
    • Commuter benefits

    Family & Community

    • Adoption assistance
    • Maternity leave
    • Buckle Up Baby program
    • Pet insurance discount
    • Charitable gift matching
    • Give Time, Get Time volunteer program
    • Employee Assistance Program

    Time off

    • Short-term disability
    • Long-term disability (employee-paid option)
    • Paid time off (holidays, vacation, personal choice days)

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