Insurance Claims Adjuster (Non-motor)

Insurance Claims Adjuster (Non-motor)

Location : Alabang

Work Set Up : Full time, Day Shift

Salary : ₱ 30,000

Job Summary :

The Non-Motor Claims Adjuster assists in the inspection, investigation, evaluation, and settlement of claims under the supervision of more senior claims professionals. The role involves reviewing claims, gathering relevant information, damage assessment, and ensuring that claims adjustment is in accordance with the covering policies, industry standards, and regulatory requirements. The Non-motor Claims Adjuster plays a key role in ensuring efficient claims management and high levels of customer service.

Key Responsibilities :

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 property

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 review and approval

Provide or report to Head the vital information, concerns and analysis that needs further investigation and recommends assignment to an external investigator

Refer and collaborate with the Adjusters and Head for the initial evaluation reports complex claims

Submit to Head the evaluation report with recommendation of settlement offer / compensability

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 that help detect fraud, thus improving the underwriting and financial result

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 an explanation letter to Head through the Supervisor on what transpired during the claim process that triggered the complaint / s

Provide assistance to external adjusters during the claim process which includes monitoring and follow-up of documentation and claimants.

Discuss discrepancies on policy interpretation with Head through the Supervisor

Attend meeting / s to discuss the pending claims and how to improve TAT

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