Senior Claims Liability Analyst - Residential Property

March 29

🐊 Florida – Remote

Although this job is listed in Florida, this company may be open to hiring remote in other states.

⏰ Full Time

🟠 Senior

🧐 Analyst

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Cabrillo Coastal General Insurance Agency, LLC

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Cabrillo Coastal General Insurance Agency, LLC is a specialized insurance provider that focuses on residential property insurance for hurricane-exposed areas. The agency prides itself on delivering exceptional customer service and expertise tailored to the unique needs of clients living in coastal regions. With a team of knowledgeable agents available 24/7, Cabrillo Coastal ensures quick claims handling and comprehensive support, helping homeowners recover from disasters such as hurricanes and tornadoes.

51 - 200 employees

⚕️ Healthcare Insurance

💸 Finance

📋 Description

• With minimal supervision, provides outstanding service to Harbor Claims external and internal customers on liability claims; • utilizes tact, diplomacy and professional communication skills to positively represent Harbor Claims in telephone and email contacts; • per Company claims guidelines, Company quality and time standards and governmental regulations and with minimal supervision, appropriately and correctly responds via telephone and email interactions to a wide range of routine to complex claimants’, agents’ and third party representatives’ claims, policy and other related inquiries and issues. • Within designated authority levels and time frames, with minimal supervision and adeptly utilizing assigned tools, analyzes liability claims information to determine appropriate settlement; • as required, requests, obtains, reviews and evaluates outside experts’ (including engineers, architects, construction contractors and attorneys) opinions and/or information and confers with experts; • communicates with claimant regarding settlement and effectively negotiates, when necessary; • as required, interviews and records statements of claimants and witnesses to gather pertinent information; • settles claim and closes a wide spectrum of files including those with increased complexity, severity and/or exposure and/or which may be attorney or third-party-represented; • sets and adjusts reserves, as needed. • When liability claim is outside authority and/or attorney or third-party represented, actively and professionally works the file while maintaining clear communication and ongoing interaction with management, internal legal counsel and/or outside legal counsel, as appropriate, to ensure prompt timely and fair resolution of claims; • monitors and reviews assigned liability claims in pre-suit and litigation stages; • may attend mediations and participates in alternative dispute resolutions. • Maintains exceptionally thorough, accurate claims files in compliance with governmental regulations and Company standards; • efficiently and effectively utilizes multiple Carrier and Harbor Claims Information Systems/Programs to accurately maintain Claims files and file diaries. • Reviews assigned files for subrogation potential; • as warranted, identifies potential subrogation opportunities; • clearly communicates findings to subrogation specialist and provides follow-up assistance and support, as necessary. • Actively contributes as a member of the Harbor Claims Team by providing assistance and support to assigned claims, underwriting, customer support, product, sales and/or other team members; • as requested, researches routine to more difficult policy, coverage and eligibility provisions; • develops and communicates provision findings, analyses and/or recommendations to appropriate internal and/or external contacts. • Participates in and/or carries out “special” projects either independently or as member of a group, as appropriate. • Dynamically enhances Company’s success by taking advantage of learning and development opportunities and personally integrating positive actions to improve individual performance.

🎯 Requirements

• quality-oriented • detail-oriented • self-starter • team player • multi-tasker • adaptability • flexibility • strong work ethic • positive “can do” attitude • collaborator • financially-oriented • service-oriented • coachable • dependable • effective decision-making • time management/working under tight deadlines • information and financial review and analyses • organization • problem analyses/solving • active listening • asking productive questions with an ability to apply learned information to a variety of related or similar situations • oral and written communication • interpersonal communication • advanced understanding of personal lines products, including residential homeowners and personal umbrella products • advanced understanding of liability-related (3rd party) principles, practices, processes and terminology • business writing, grammar and punctuation rules • telephone and email business etiquette rules • desktop computer operations • standard business software and web-based engine operations (e.g., Microsoft Word, Microsoft Excel, Microsoft Outlook and Internet Explorer) • MS Access, MS PowerPoint a plus • thorough knowledge of Xactimate required.