DIRECTOR OF DAILY PROPERTY CLAIMS
As Director of Property Claims, you will be responsible for the technical and operational performance of teams within the claims department. You will have direct supervision of managers and/or supervisors to ensure deliverables and objectives are met and appropriate staffing and productivity levels are maintained. The Director of Property Claims manages multiple teams handling property and casualty claims to meet clients service level requirements. You will work closely with and support the Vice President of Claims on the execution and development of technical and operational direction of the claims department.
- Responsible for guidance and direction to the Claims teams for technical excellence with emphasis on policy coverage understanding, applying coverage appropriately to each loss, reserve accuracy, claim resolution, and compliance to our internal and customer standards.
- Oversee all functional aspects of the claim operation. Directs the work activities and has full management responsibility for the performance and development of assigned staff in accordance with corporate strategic direction and customer guides.
- Cultivate positive working relationships with all clients. Collaborate with clients and management to respond to any issues and assess overall claims performance.
- Develop and lead claims round table discussions to confirm verifiable damage and a plan of action.
- Provides guidance for appropriate estimate review, policy coverage application, and major case evaluations.
- Liaises effectively with agents, policyholders, Underwriting, and Claims Management.
- Manages relationships with business partners and/or vendors. Serve as a subject matter expert on all client specific guidelines, specifications, policies and procedures.
- Reviews and directs the application of claims policy and effectively manages claims amounts within that policy.
- Keeps abreast of changes in legislation and regulations pertaining to property insurance claims.
- The Director of Claims is responsible for oversight of the claims managers and claim handlers to achieve timely and effective disposition of claims in accordance with the available coverage and applicable procedures, laws and regulations.
The successful candidate will have a minimum of ten years of experience handling 1st party property claims and a minimum of 5 years of management experience handling Florida homeowner property claims.
This is an in-office position located in the Frontline Lake Mary, Florida office.
- Reviews detail of claims under applicable policy for first-party property losses to determine insurance coverage, effective dates, policy limits and exclusions. Identifies, monitors and resolves coverage issues, with assigned claims manager. Reviews and assigning claims to the appropriate claim handling unit as determined by the details of the claim as reported.
- Reviews and authorizes the establishment of appropriate claim reserves to ensure that future claim costs are accurately assessed, and the company can determine its financial position.
- Directs and manages Unit Manager activities. Reviews managers reports for accuracy and determination of details of loss and coverage for same.
- Reviews the file with assigned manager, as warranted/requested based on coverage concerns, files that exceed manager authority, multiple losses reported and any red flag issues. Reviews and approves reserves in accordance with Frontline guidelines. Compares loss claimed to policy coverage and refers claims to the VP of Claims if loss exceeds Directors authority levels.
- Requests additional authority level from the VP of Claims on a per file basis, as required, to fairly settle the claim if over the Director’s authority.
- Directs and mentors claims managers on ideas involving appropriate continuance into the investigation of a claim, utilizing all available technologies to further investigate, document and resolve losses and coverage issues that require resolution.
- Interfaces with company clients, carrier, adjusters, or covered parties. Communicates with agents regarding status of claim.
- Reviews, approves or elevates reservation of rights letters, payment explanation correspondence, denial letters, or partial denial letters, as applicable.
- Resolves disputes regarding claims resolution. Responsible for reopening and re-evaluating claim, as necessary.
- Participates in litigation when applicable.
SUPERVISORY RESPONSIBILITIESThis job has no supervisory responsibilities.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Strong organizational and task management skills. Strong relationship management and proven experience delivering high level internal and external customer service. Computer proficiency with strong skills in Microsoft Office applications. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Must also be able to deal with problems involving several concrete variables in standardized situations.
- Language Skills: Ability to read and interpret policies, correspondence and governmental regulations. Ability to write reports as well as business and technical correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
- Computer Skills: Must be proficient with programs such as Word, Excel, Outlook, Adobe and other programs used by the company such as Guidewire, Legacy, Xactimate and Xactanalysis.
- Mathematical Skills. Ability to calculate figures and amounts such as interest, proportions, percentages, area, circumference, and volume. Ability to apply basic algebra and geometry.
- Reasoning Ability. Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
- Comfortable working independently with a high degree of proficiency and self-motivation.
EDUCATION AND/OR EXPERIENCE
- Bachelor’s degree
- A minimum of 10 years of Property & Casualty claims experience preferred, with a focus on property claims.
- In-depth professional knowledge of all aspects of claims operations.
- A minimum of 5 years of management experience.
- Florida 520/620 license is required.
- Ability to obtain AL, GA, NC and SC adjusters licenses.
- Strong personal lines coverage interpretation and claims handling background is required.
- Must have residential construction knowledge and be proficient in Xactimate.
Ability to read and comprehend detailed instructions, correspondence, and memos. Ability to professionally execute excellent verbal and written communications. Ability to effectively present information in one-on- one and small group situations to customers, clients, and other employees of the organization.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stand and walk. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.
NOTE: This is not necessarily an exhaustive list of responsibilities, skills, duties, requirements, efforts or working conditions associated with the job. While this list is intended to be an accurate reflection of the current job, Frontline Homeowners Insurance reserves the right to revise the functions and duties of the job or to require that additional or different tasks be performed when circumstances change.
We are a Drug Free Workplace and EOE.