Property Claim Specialist

The Main Street America Group offers insurance exclusively through independent agents. Since 1923, we have partnered with independent agents to offer consumers a variety of important insurance coverages. Our continued commitment to consumers and independent agents has contributed to our growth and success. Today, Main Street America offers property and casualty insurance in 36 states, surety bonds in 45 states and the District of Columbia and annually writes more than $1 billion in premium.

Due to the financial responsibilities of this position, all candidates will be subject to the credit check process. * Staffed in an office where the type of claims is highly complex. * Conducts claims investigations, determines coverage and liability, and negotiates (settle, authorize or deny payment) to conclusion the claim within authority limits. * Recognizes and investigates all cases involving subrogation, insurance fraud issues, and disposition of salvage. * Ensures timely financial transactions, including reserving and review and payment of vendor bills. * Handles litigation cases and attends arbitrations and mediations on assigned files.

Role Education and Experience Requirements: * Bachelor’s degree or comparable, progressive work experience * Ability to attain required licensing within 3 - 6 months * A minimum of 6 year’s progressive experience in area of focus preferred * AIC (Associate in Claims) or alternative designation as approved by management * Anticipates situations and mitigates pro-actively * Experience with agribusiness-related losses highly desirably * Handles complex issues * Strong listening and communication skills * Must have good negotiation skills and a good understanding of litigation management. * Have a good understanding of insurance accounting and good decision-making skills Role Competencies: * Analytical Thinking/Decision Making - Knowledge of tools and techniques for effective use of a broad range of factors, assumptions, frameworks and perspectives when solving problems. * Business Acumen - Knowledge, insight, and understanding of business concepts, tools, and processes that are needed for making sound decisions in the context of the company's business. * Managing Multiple Priorities - Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to prioritizing and time allocation. * Relationship Building - Initiates, develops, maintains, and strengthens partnerships with others inside or outside the organization. * Drive for Results - Continuously focused on achieving/exceeding goals and objectives. Sets high standards of performance; pursues aggressive goals and works hard to achieve them. Technical Competencies: * Negotiation and Settlement - Knowledge of principles, techniques and practices of negotiation and settlement of claims. * Claims Investigation - Knowledge of how to gather necessary information to determine damage, liability, subrogation and other case-specific issues. * Claims Knowledge - Knowledge of the full spectrum of activities, practices, tools, and considerations for managing the claims adjustment process. * Coverage Evaluation - Knowledge of how to locate policy information and interpret policy language as it applies to a specific claim. * Loss Assessment, Evaluation and Reserving - Knowledge of how to estimate the cost of a loss and to reserve that amount for eventual resolution. * Litigation Management - Knowledge of substantive and procedural law and ability to apply that knowledge to legal negotiation and formal litigation.