Claims Representative II

Tower Hill Insurance Group has an exciting opportunity for two talented Intermediate Property Claims Adjuster who enjoy intellectual challenges and are seeking a rewarding career with a company that is experiencing growth. Not only is Tower Hill Insurance one of Florida's most trusted names in homeowners insurance, but it offers great opportunities for career advancement and personal growth, along with very competitive benefits and rewards. We are growing at a consistent pace and seek professional individuals with drive, team mentality, who want to make an impact, and are committed to a long-term career in the insurance industry.

Review and analyze routine first party homeowner’s claims to determine extent of insurance carrier’s liability, determines the extent of damaged property, and recommends settlement amounts in order conclude claims with policyholders in accordance with policy provisions and applicable insurance statutes and laws. These claims are more moderate to severe in nature. Investigations are more involved, often relying on consultant, expert opinion and/or use of specialized tradesman to assist with coverage and damage determinations. Claims could involve multiple parties (attorneys, public adjusters, contractors) and generally have longer life cycles. This is a hybrid position.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

Reviews the insurance policy, endorsements, and related information in order to make a coverage determination.

(INVESTIGATION)

• Conducts the appropriate claim investigation and directs the investigation of any assigned resources.
• Obtains any physical evidence, develops third party information and theory of liability, conducts recorded interviews, and secures official records.
• Recognizes and submits subrogation, underwriting and SIU referrals as necessary.
• Maintains file documentation, file notes and investigation documentation on each assigned claim in accordance with company guidelines.

(DECISION MAKING)

• Reviews policy, adjusters’ reports, damage estimates, expert reports and any other documentation needed to make the appropriate coverage and loss decisions to conclude assigned claims.
• Able to write/create/edit estimates based on customer’s information or independent adjuster’s information utilizing computerized estimating system.
• Able to write/create/edit letter to confirm status or decision.
• Makes recommendations and decisions based on claim documentation and investigation.

(COMMUNICATION)

• Provides prompt service to policyholders utilizing phone, fax, mail and electronic mail. Communicates with all customers in a professional manner.
• Complies with customer service objectives (as determined by the company)
• Communicates with Claims Supervisors consistent with company guidelines.

(LICENSURE)

• Successfully completes training and maintains FL License by meeting Continuing Education requirements.
• Operates in accordance with Florida Statues

SUPERVISORY RESPONSIBILITIES

This job has limited supervisory responsibilities. Claims Representatives may be used to mentor lesser experienced employees and assist with training. Claims Representatives will communicate expectations to customers and have oversight of all vendors involved in the claim investigation.

Requirements

Education and/or Experience College degree (four-year college/university) or equivalent professional education and experience combined; Minimum of 2 years related property adjusting experience and successful completion of more advanced level claims training courses and/or insurance industry courses as identified in Claims Training Manual (i.e. Insurance principles, loss adjustment, estimating software, and residential construction). Completion of advanced job training.

Certificates , Licenses, Registrations Insurance adjusters license State of Florida (520 license).

Tower Hill Compensation Package Includes:

• Competitive starting salary
• Annual merit reviews and bonus potential
• Medical, Dental, Life and Disability Insurance, and Health Savings Accounts
• Matching 401(k) Plan
• Paid PTO and holidays

For more information about our company, careers and Total Compensation, visit www.thig.com/careers

• Tower Hill Insurance currently operates in these states AL, CT, FL, GA, IA, IN, KY, MI, MS, NC, OH, PA, SC, TN, TX, UT, VA, WV. The work location is flexible if approved by Tower Hill Insurance.

Tower Hill Insurance is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Tower Hill Insurance is committed to working with and providing reasonable accommodation for individuals with disabilities. If you need reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to hrdepartment@thig.com or call (561) 812-6247 and let us know the nature of your request and your contact information.

All applicants will receive an acknowledgement that their application has been received. Candidates will not receive status updates regarding their application; however, those candidates selected for further consideration will be contacted by Human Resources.