Property Claims Adjuster (Inside)

The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process.

Encova Insurance has an immediate opening for a Property Claims Adjuster (Business title - Property Specialist II, Inside). This role will have the option to be fully remote, but you must reside in a state where we are approved for payroll as seen in this posting. Experience in commercial lines insurance is preferred.

This role will report to a Manager, Property Claims.

If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team.

Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes:

Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin.

Investigate, evaluate, estimate and process property claims primarily by phone or other internal communication channels. 

• Work in claims operations handling primarily:
  • Personal and commercial losses including structure, contents, ALE, scheduled property and business income losses
  • Contents claims
  • Coverage questions
• Provide customizable claims service to our insureds by appropriately assigning preferred contractors and/or independent adjusters to assist with field work. 
• Review work of all assigned independent adjusters and preferred contractors for quality and timely service.
• Assist resolution specialists with tasks assigned, such as assisting with contents valuation and depreciation holdback. 
• Comply with claims organization’s policies and procedures for contact and communication, verification of coverages, determination of liability, investigation of losses, determination of claims values, completion of forms, and reports and negotiation and settlement of claims.
• Must be capable of investigating and closing a minimum average of 70 (85 for primarily contents) elements per month.
• Assist in catastrophe claims handling throughout the company operating territory, requiring overnight travel or extended stays upon request.
• Serve as a member of claims and other company integrated teams as assigned.

• Obtain and maintain all applicable adjusters licensing.
• Must pass the claims adjuster license exam(s) for applicable states within 6 months of being hired.
• Maintain open lines of communication with agents, sales representatives, marketing and underwriting associates.
• Perform other duties as assigned.

• This position requires experience as an Encova Insurance inside property specialist or its equivalent in the industry. 
• The internal candidate must have achieved an overall performance rating of at least “Meets Expectations” in the last two annual performance reviews. 
• The candidate must actively demonstrate the skills and abilities listed in the resolution specialist job description and must demonstrate good judgment in making decisions, good communication skills, and excellent people skills including positive, professional working relationships with associates, peers, agents, sales representatives, underwriters, marketing personnel and the public, good negotiation skills, and satisfactory setup and monitoring of all claims.
• The candidate must have a thorough knowledge of claims settlement techniques, Encova’s personal and commercial policy products, current legal decisions affecting claims handling, company procedures, policies and practices.
• A college degree or equivalent in insurance or business is required.
• Continuing insurance education is desired and may be obtained through IIA and/or CPCU or other accredited insurance education provider.

In addition to a competitive compensation package, we offer a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits (subject to any policy or plan changes) include, but are not limited to:

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  Health, Dental & Vision Insurance

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  Company-provided life and income protection plans

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  Eligibility to participate in a company incentive bonus program

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  401(k) Retirement Plan - 100% company match up to 7% on annual salary

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  Paid Time Off, Paid Holidays, and Floating Holidays

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  Flexible Work Arrangements - Hybrid and remote depending on the role

We believe that happy, healthy associates are the foundation of great work. Join us and thrive both professionally and personally.

Encova Insurance is an EOE/E-Verify employer.