Claims Specialist - Proximity - Large Loss
State Farm
- I proactively manage assigned caseloads of highly complex damages that require commensurate knowledge and understanding of repairs including potential legal liability
- I actively partner with vendors both internally and externally to facilitate claim resolution
- I ensure that any regulatory coordination is adhered to; I also ensure that claims are appropriately documented and are in compliance
- I investigate claim damages by conduction research from various sources, including the insured, third parties and external resources on a daily basis
- I identify and resolve potential discrepancies and identify subrogation potential as a result of unusual characteristics
- I identify coverage concerns, review prior loss histories and determine and create Special Investigation Unit (SIU) referrals when appropriate
- I determine coverage through analyzing information involving highest complexity policy terms and contingencies
- I determine and negotiate high complexity claim settlement within authority limits
- I leverage expert knowledge of complex claims processes and procedures to develop recommendations for presentation to management for settlement amounts outside of my authority limits and accurately manage claim results to resolution
- I maintain accurate, thorough, and current claim file documentation throughout the claim process and identify opportunities for my own continuous improvement on a daily basis
- I apply expert knowledge of estimating technology platforms and virtual inspection tools
- I utilize platforms and tools such as Xactimate to prepare claims estimates to manage the highest in complexity property insurance claims
- I support workload surges such as volunteering for Catastrophe (CAT) response operations as needed, including mandatory on-call dates, potential evening, weekend and/or holiday work outside normal work hours
- I have been deployed for CAT duty with minimal notice
- I have worked various types of claims, including ones of high complexity and have been assigned additional work outside of normal duties on an as needed basis
- I work independently, solving high complexity problems with minimal guidance; I also act as a resource for my team and colleagues who may have less experience
- I adjust high complexity claims with attorney involvement on a regular basis
- I investigate, verify and address jurisdictional challenges such as legislation in regard to construction concerns
- I have traveled outside of my territory/state to attend training, resolve claims and conduct in-person inspections
- I ensure that risks associated with insured properties are identified, measured, monitored and controlled in accordance with risk and compliance policies and procedures
