PROPERTY CLAIMS ADJUSTER - INSPECTOR - FARGO, ND

Property Claims Adjuster-Inspector

The primary location for this position is in Fargo, North Dakota, or within a 100-mile radius to the north along the I-29 Interstate.

The Property Claims Adjuster-Inspector adjusts property claims as part of Reinsurance Adjuster Program for assigned mutuals. Determines coverage by consulting policy in force and endorsements, evaluates loss by completing on-site investigations, and settles claims according to Grinnell Mutual Claims procedures.

This position is based out of your home with a company-provided vehicle for travel to the claim sites. Grinnell Mutual employees and their family members enjoy a comprehensive health benefits package that reduces premiums for commitment to a healthy lifestyle, along with a full suite of disability and life insurance and a 401(k) program with a company match. Property Claims Adjusters receive a one-time home office reimbursement up to $1,000 to set up their remote home office and monthly internet expenses paid by the company. Grinnell Mutual offers a flexible work environment and paid holidays where the office is closed. Please note that candidates must be eligible to work in the U.S. without Grinnell Mutual sponsorship.

Responsibilities

• Investigates property claims for both farm and home owners through on-site investigation and interviews with claimant, insured, and witnesses to determine the extent of damage.
• Determines proper policy coverages, and where necessary, investigates, evaluates, negotiates and equitably settles all assigned claims cases in accordance with company policies and procedures at values commensurate with damages sustained. Sets reserves based on estimated loss for claim.
• Organizes and manages time effectively to ensure the prompt and successful resolution of all assigned cases, maintaining high standards of professionalism to deliver exceptional service.
• Prepares and submits initial and follow-up reports of findings and action taken on each assigned claim in conformity with established procedures. Documents file with activity, contacts, offers, and demands related to claim. May be asked to assist or prepare file for subrogation, suit, or trial.
• Works with law enforcement to verify items stolen and confirm payment / ownership if recovery is made following claim payment, file written request for restitution in all arrests including vandalism claims.
• Cultivates and maintains strong relationship with Agents and Mutual Managers, serving as a liaison between the customer and Grinnell Mutual. Supports the evaluation of mutuals for future business opportunities and conveys feedback from the Mutual to the supervisor.
• Conducts on-site field inspections determining building values, making recommendations of risk acceptability, identifying hazards, and recommending appropriate corresponding corrective action.
• Recommends proper building insurance to value based on inspection. Works with underwriting to determine insurability and providing documentation on the condition of the property through photographs and diagrams.
• Authorizes and / or approves all claims payments within the delegated authority or within the maximum limits as outlined in company policies and procedures. Setting and maintaining reserves through resolution of the claim.
• Accountable for managing the settlement process of all assigned files from start to close.
• Performs other duties as assigned.

Qualifications

Compensation

The salary range for the position is $51,000.00 - $88,300.00. For a list of benefits, click here.

Working Conditions And Physical Efforts

This job description is not intended to describe, in detail, the multitude of tasks that may be assigned, but rather to give the employee a general sense of the responsibilities and expectations of the position. As the nature of the business demands change, so too may the job duties and responsibilities.

Grinnell Mutual is an Equal Opportunity Employer in accordance with applicable state and federal laws.