Claims Adjuster (Non-motor)

Qualifications:

• Graduate of any 4 yrs bachelor’s degree.
• 2 – 5 yrs experience in Non-Motor Claims or having prior experience in a claims department or working with insurance claims can be a significant advantage.
• Prior customer service and loss adjustment experience, preferably in an insurance company or adjustment company.
• Strong organizational and multitasking skills.
• Strong analytical capabilities
• Proficient in Microsoft Office Suite (Excel, Word, etc.) and familiarity with claims management software.
• Attention to detail and high level of accuracy.
• Strong communication skills, both written and verbal.
• Ability to handle confidential information with discretion.
• Team-oriented and proactive in assisting other claims staff.

Functions (Duties and Responsibilities):

1. Inspection

• Receive request for claims inspection from the Adjustment Supervisor
• Conduct initial assessment from the interview of claimant and submitted incident report
• Upon confirmation of the Adjustment Supervisor, schedules and finalizes appointment with insured/claimant
• Proceeds to the site of inspection and conducts physical inspection of damaged property2. Claims Evaluation & Investigation:
• Relate the damages observed against the loss details narrated by the insured/claimant
• Analyze the loss details and actual damages and validates legitimacy of the claim and prepare preliminary report then submit to the -adjustment supervisor and adjustment head for reviewand approval
• Provide or report to Head the vital information, concerns and analysis that needs furtherinvestigation and recommends assignment to an external investigator.
• Refer and collaborate with the Adjusters and Head for the initial evaluation reports complexclaims
• Submit to Head the evaluation report with recommendation of settlement offer / compensability

1. Fraud Retention and Reporting

• Further investigation of submitted documentations to make sure that overpayment of claims will not occur
• Consult with specialists such as lawyers, engineers, architects, and other related professions
• Identify Fraud cases and collaborate with Fraud Department to establish specific measures thathelp detect fraud, thus improving the -underwriting and financial result4. Customer Service (Feedback and Collaboration)
• Assist claimants and/or agent/broker during claims process which includes providing updates/status of claims
• Receive reports/complaints from claimant, agent, and other departments
• Submit explanation letter to Head through the Supervisor on what transpire during the claimprocess that trigger the complaint/s.

• Discuss discrepancies on policy interpretation with Head through the Supervisor
• Attend meeting/s to discuss the pending claims and how to improve TAT

Job Description

The Non-motor Claims Adjuster plays a key role in ensuring efficient claims management and high levels of customer service.