WRM is committed to providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or veteran status. We take affirmative action to ensure that all employment decisions are based on merit, qualifications, and abilities.
Liability Adjuster
Location
United States
Posted
7 days ago
Salary
0
Seniority
Mid Level
No structured requirement data.
Job Description
Liability Adjuster
Windward Risk Managers
Role Description The Liability Adjuster is responsible for investigating, evaluating, negotiating, and resolving liability claims made under any Florida Peninsula, Edison Insurance or Ovation Home Insurance Exchange insurance policies. Essential Functions: - Investigate third-party liability claims involving Florida homeowners’ policies, including premises liability, property damage, bodily injury, dog bite, slip-and-fall, and other covered incidents. - Review policy language, endorsements, exclusions, and applicable coverage forms to determine exposures and complex coverage questions. Interpret and recommend policy coverage and/or denial of coverage. - Conduct field investigations and phone interviews to determine origin and cause of loss, identify potential fraud. - Obtain and analyze recorded statements, police reports, incident reports, photographs, estimates, medical records, invoices, repair documentation, and other supporting materials. - Evaluate liability and develop theories of liability, assess comparative negligence, damages, settlement value for bodily injury, property damage and subrogation potential. - Communicate professionally, written and verbally, with insureds, claimants, attorneys, vendors, internal and external business partners including defense and coverage counsel. Write clear and concise letters, reports and initial case reviews. - Document claim activity, coverage analysis, liability evaluation, settlement rationale, and communications accurately and timely in the claims management system. - Negotiate settlements within assigned authority and escalate matters requiring additional review or authority. - Identify claims involving litigation, coverage disputes, fraud indicators, regulatory concerns, or complex exposure and refer as appropriate. - Effectively manage a case load and coordinate with supervisors, SIU, subrogation, underwriting, managers, executives and other departments as needed. - Maintain compliance with Florida fair claims-handling practices, company best practices standards, and applicable deadlines. Qualifications - Must currently hold and maintain a Florida 620 Adjuster’s License - Five years or more of adjusting experience to include homeowners’ liability claims adjusting - Exceptional communication skills both written and verbal - Strong organizational and time management skills - Experience with MS Office including Outlook, Excel, Word, and Teams are preferred Requirements - This role requires permanent U.S. work authorization and does not offer employer sponsorship now or in the future. Company Description WRM is committed to providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or veteran status. We take affirmative action to ensure that all employment decisions are based on merit, qualifications, and abilities.
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• Investigate and confirm facts of loss for automobile accidents • Apply analytical thinking for coverage, liability, and damages • Adjust and negotiate claims within limit of authority • Manage claims from review through resolution • Communicate effectively with customers
• Investigating and confirming the facts of loss for basic automobile accidents. • Applies analytical thinking to determine coverage, liability, damages and adjusts and negotiates claims. • Manage claims from review through resolution. • Demonstrate strong decision-making, ownership, and problem-solving skills. • Identifies customer needs and works to meet those needs using appropriate customer service skills.
• Analyze mid- and higher-level general liability claims to determine benefits due • Ensure ongoing adjudication of claims within company standards and industry best practices • Identify subrogation of claims and negotiate settlements • Manage mid-level general liability claims by gathering information to determine liability exposure • Assess liability and resolve claims within evaluation • Approve and process assigned claims • Manage action plan pursuant to the claim or client contract • Maintain professional client relationships • May process complex claims including medical claims which include state and physician filings
