Property Claims Representative III

Job Description

Job Description

Who We Are

For over 70 years, Glatfelter Insurance Group has believed in doing the right thing for our clients, agents, communities and associates. This founding principle has enabled Glatfelter to grow from the kitchen-table, one-man-operation as it began, to one of the largest managing general agencies in the U.S. with nearly 500 associates across the country, a distribution network of over 4,500 independent brokers and more than 30,000 clients. It is what drives us to innovate—the desire to deliver the best for our clients. Founded as The Glatfelter Agency, which is still in operation, the program basis of Glatfelter Insurance Group, Volunteer Firemen’s Insurance Services (VFIS), was founded in 1969. Throughout the years, Glatfelter has expanded to include specialized program business inclusive of public entities, educational institutions, healthcare facilities, and religious organizations. Glatfelter provides their insureds with comprehensive insurance solutions including property, casualty, life insurance, and more. In 2018, Glatfelter joined American International Group (AIG) and is now part of the AIG family.

About the Position

Glatfelter Insurance Group is seeking a full-time Property Claims Representative III to join our Glatfelter Claims Management team. This inside position requires investigation, evaluation, and prompt resolution of first party commercial property claims on a national basis. The ideal candidate will be self-motivated and have the ability to read and interpret property, inland marine, and crime policies; conduct timely and thorough investigations; draft coverage letters and internal reports; manage independent adjusters and other vendors; review detailed estimates; and communicate effectively.

This position is required to be onsite at our Leader Heights, York, PA office.

Key Responsibilities

• Set up losses in the Glatfelter Claims Management, Inc. automated system and appropriately reserve them.
• Investigates property losses, telephone contacting insureds, vendors, agents, regional directors and field adjusters in order to expedite claims handling to achieve maximum positive public relations for the handling of the insured’s property claim.
• Such investigation is accomplished within a sometimes ambiguous and confusing environment and must be handled with diplomacy and an understanding of the market environment.
• Determine coverage by proficiently utilizing the various automated and resource repository systems within the organization.
• Evaluate losses, both simple and more complex, by identifying the applicable coverage and determining the amount of covered damage.
• Pay documented, undisputed, covered claims promptly.
• Maintains a diary system to ensure proactive claims handling so claims are paid as quickly as possible and not allowed to languish due to lack of proper attention and effort.
• Assigns losses to outside, independent adjusters or specialists, when necessary, and is responsible for supervising the activities of those individuals to ensure quality handling.
• Negotiates/mediates disagreements over the scope of damages, type of property, repairability and appropriate repair/replacement costs to a successful conclusion with appropriate supervision.
• Issues payment in the claims automated system or manually, within their individual levels of authority.
• Recognizes the claims opportunities and coaches agents and other marketing persons to make maximum use of claim’s payments in their marketing environment.
• If coverage is questionable, the claim representative must; (1) research coverage questions utilizing appropriate resources within and outside the organization; (2) research other available policy options (3) formulate a coverage position and (4) discuss any questions with supervisor.
• Prepares denial letters and reservation of rights letters for supervisor’s approval.
• When coverage is questionable or denied, must manage interested parties (insured, agent, regional director) with finesse and discretion in order to achieve appropriate satisfaction of those parties at the conclusion of the claim.
• Must understand and appreciate the effect these important, sensitive and complex situations have on people both inside and outside the organization.
• Is responsible for recognizing and identifying all recovery opportunities in their claim files, including subrogation aspects and salvage.
• Is responsible for getting the claim file into the VFIS Claims Management subrogation system and providing the subrogation handler with the information needed to successfully pursue recovery.
• Performs other tasks/projects/assignments as directed by management and assists all other departmental personnel as necessary to maintain departmental standards.

What We’re Looking For

• One year of commercial property adjusting experience.
• College education preferred, however, a liberal range of experience and knowledge equivalent to college education is appropriate.
• Must have or obtain various state adjusting licenses through examination in an aggressive period of time.
• Proficient computer skills and a commitment to exceptional customer service are necessary.
• Experience in insurance claims or appropriate transferable concurrent experience in a related field.
• Ability to read and interpret basic insurance policies and make appropriate decisions grounded in those interpretations.
• Will be characterized by analytical thinking ability and rational thought processes.
• Ability to effectively communicate verbally and convey complex concepts and sensitive information in writing.
• Ability to utilize a PC and related departmental software.
• Advanced knowledge of insurance coverage and procedures.
• Emotional stability and maturity are necessary to deal with the pressure of claims handling.
• Must speak clearly and be able to effectively communicate information to others.
• Ability to explain basic coverage and claim issues to insureds, agents, and marketing personnel in a diplomatic and positive manner.
• Must be self-motivated and able to make decisions.
• Uses analytical ability and independent judgment within guidelines established by management.
• Works independently with minimal supervision.
• Experience and ability in reading and interpreting basic insurance policy language and understanding its application.
• Must be able to prioritize tasks on a daily, weekly or otherwise basis.

Why Choose Glatfelter?

Glatfelter is honored to have been named a Best Place to Work in PA since 2005. We are proud to offer a range of employee benefits and resources that help you protect what matters most - your health care, savings, financial protection and wellbeing. In addition to 17 paid holidays, (which includes a personal holiday and mental health and wellness day) we provide a variety of leaves for personal, health, family, and volunteer needs.

We believe in fostering our associates' development and offer a range of learning opportunities for associates to hone their professional skills to position themselves for the next steps of their careers. We have a tuition reimbursement program for eligible associates to enhance their education, skills, and knowledge in areas that relate to their current position or future positions to which they may transfer or progress.

Equal Opportunity Employer

It has been and will continue to be the policy of Glatfelter Insurance Group to be an Equal Opportunity Employer. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories. At Glatfelter, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Glatfelter is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please contact Human Resources. Reasonable accommodations will be determined on a case-by-case basis.

Job Grade: 7