If you’re passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you!
This is a remote opportunity available to qualified applicants located anywhere in the United States.
The ideal candidate will have prior property and/or commercial claims experience.
This role can be filled at a different level depending on experience and skill-set.
Compensation Grade (Internal Use Only): E4
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Job Description Summary
Do you have a strong desire to resolve complicated insurance claims by providing prompt, courteous and fair service to customers? Are you a skilled investigator, negotiator and communicator? If you thrive in an environment where you can problem-solve claims resolution, while following processes that provide fair resolution, customer satisfaction and cost management, then we want to hear from you!
As a Claims Specialist II, you will investigate, evaluate, negotiate and resolve commercial property damage claims of a moderate to serious nature. We’ll count on you to promote and provide exemplary customer service. In addition, you’ll be responsible for the handling of claims in accordance with prescribed authorization.
Job Description
Key Responsibilities:
Responsible for moderate to serious complexity commercial property damage claims with little to no direction and oversight. Makes decisions within delegated authorization; recommends settlement values in the disposition of moderate and sometimes serious and complex claims. Adheres to high standards of professional conduct while providing delivery of superior claims service.
Determines proper policy coverages and applies best claims practices to conclude assigned cases per company guidelines.
Opens, closes and adjusts reserves in accordance with company practices designed to ensure reserve adequacy. Recommends Special Reserves where necessary according to Corporate Reserving Guidelines. Adheres to file conferencing notification and authority procedures.
Maintains current knowledge of insurance and applicable product/services; court decisions which may impact the claims function; current guidelines in the claims function; and policy changes and modifications. This may require attendance at various seminars and/or training sessions.
Maintains current knowledge of local industry repair procedures and local market pricing.
Submits severe incident reports, reinsurance reports and other information to claims management as needed.
Partners with Special Investigative Unit (SIU) and Subrogation to identify fraud and subrogation opportunities.
Delivers a positive customer service experience to all internal, external, current and prospective Nationwide customers.
Mentors less experienced claims associates and assists with training/presentations as assigned by claims management.
May perform other responsibilities as assigned. .
Reporting Relationships: Reports to Commercial Property Manager. Direct and indirect reports not typically assigned.
Typical Skills and Experiences:
Education: Undergraduate studies in business administration or related field preferred and/or relevant experience.
License/Certification/Designation: State licensing where required. Successful completion of required/applicable claims certification training/classes. Obtain Xactimate Level 1 certification within a year of start date. Obtain Xactimate Level 2 certification within two years of employment.
Experience: One to three years property claims handling experience, with at least two years commercial property claims preferred.
Knowledge, Abilities and Skills: Demonstrated knowledge of best claims practices to resolve moderate to severe property claims. Knowledge of insurance theory and practices, insurance contracts and their application and property damage estimating. Ability to operate various claims systems and related software. Proven ability to meet customer needs and provide exemplary service by informing customers of the claims process and ensuring a positive customer experience. Analytical skills necessary to make decisions and resolve conflict in such areas as application of coverage to submitted claims, application of laws of jurisdiction to investigation facts, application of policy exclusions and exceptions. Ability to successfully negotiate commercial property claims of moderate to serious nature. Command of written and verbal communication skills for contact and/or negotiation. Organizational skills to effectively establish work priorities in accordance with Best Claims Practices. Ability to operate a personal computer and related software.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing exceptions to the above must be approved by the business unit executive and HR Business Partner.
Values: Regularly and consistently demonstrates the Nationwide Values.
Job Conditions:
Overtime Eligibility: Exempt (Not Eligible)
Working Conditions: Inside or field claims environment. May require ability to sit and use telephone and personal computer for extended periods of time. Representatives may be required to operate an automobile and have a valid driver's license with a safe driving record. Must be able to make physical inspections of accident scenes and property loss sites. Must be able to climb ladders, balance at various heights, stoop, bend and/or crawl to inspect vehicles and structures. Must be able to work outside in all types of weather. Must be able and willing to work irregular hours and to travel with possible overnight requirements. May be on-call. Must be available to work catastrophes (CAT).
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
Credit/Background Check: Due to the fiduciary accountabilities within this job, a valid credit check and/or background check will be required as part of the selection process.