Property Adjusters investigate commercial property claims,
evaluate damages, determine coverage, set accurate loss cost
estimates, control the insured's exposures and losses, manage
consultants, and achieve a prompt, fair and equitable settlement
according to fair claims handling requirements. Negotiate
settlement of claims with varying complexity and perils.
This position is range posting and can be a grade 11-13
depending on experience level.
The ideal location for this position would in the Fairfield /
Cincinnati area. Candidates must reside within close proximity to
- Conducts a prompt, thorough and fair investigation by obtaining
relevant facts to determine coverage, origin, and extent of loss.
Reviews and utilizes financial statements to adjust moderately
sized business interruption losses.
- Conduct on-site appraisal or direct independent adjuster to
determine facts relevant causation, damages and exposure.
- Engages and manages consultants and independent adjusters as
required. Monitors the costs to ensure they are reasonable and
- Establishes and maintains accurate loss cost estimates and
reserves for each claim for reporting, financial records, and other
- Keeps the Insured and others informed about the claim's status
with clear, timely and accurate written/oral communications.
Effectively communicates in writing on moderately complex coverage
issues with minimal review and coaching. Determines depreciation of
- Affirms or denies coverage of the claim based on the facts and
the policy terms and conditions. Develops information necessary to
make advance, partial and final payments when appropriate.
- Meet time requirements of the policy and fair claims handling
- Effectively negotiate settlement of claims of varying
complexity and perils. Achieves a prompt, fair and equitable
settlement of a claim, where there is policy liability.
- Keeps the electronic claim file properly documented with
accurate, clear and timely information and reports that reflect the
adjustment activities and substantiate any payments made.
- May participate in quality assurance file review sessions and
serve as a technical resource for less experienced claims
- Will be called upon for catastrophe duty.
Knowledge of property insurance; commercial property claims;
coverage evaluation; claims investigation, loss assessment,
evaluation and reserves; financial analyses; insurance regulations;
negotiation and settlement of moderate complexity claims; other
skills required in a focus on customers; decision making; results
oriented; spoken communication; and adaptability; an ability to
build relationships, mentoring and training less experienced team
members, listen (i.e., comprehend nuances and acknowledge others'
viewpoints), write business correspondence, produce accurate work,
manage projects, manage vendors; and use core
applications/spreadsheets as normally acquired through a bachelor's
degree or equivalent; successful completion of required internal
training programs and AIC (Associate in Claims) module 33; and at
least 18 months of progressively responsible experience.
Ability and willingness to travel to the site of a catastrophe
for assignments that may last several weeks.
At Liberty Mutual, our purpose is to help people embrace today
and confidently pursue tomorrow. That's why we provide an
environment focused on openness, inclusion, trust and respect.
Here, you'll discover our expansive range of roles, and a workplace
where we aim to help turn your passion into a rewarding
Liberty Mutual has proudly been recognized as a "Great Place to
Work" by Great Place to Work US for the past several years. We were
also selected as one of the "100 Best Places to Work in IT" onIDG's
Insider Pro and Computerworld's 2020 list. For many years running,
we have been named by Forbes as one of America's Best Employers for
Women and one of America's Best Employers for New Graduates-as well
as one of America's Best Employers for Diversity. To learn more
about our commitment to diversity and inclusion please visit:
We value your hard work, integrity and commitment to make things
better, and we put people first by offering you benefits that
support your life and well-being. To learn more about our benefit
offerings please visit: https://LMI.co/Benefits
Liberty Mutual is an equal opportunity employer. We will not
tolerate discrimination on the basis of race, color, national
origin, sex, sexual orientation, gender identity, religion, age,
disability, veteran's status, pregnancy, genetic information or on
any basis prohibited by federal, state or local law.