Property Claims Consultant

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.

**This role can be performed remotely anywhere in the US**

Essential Functions:

• Serves as a subject matter expert for coverage questions and claims handling procedures.

• Collaborates with property claims team members with the review of claims and collaborates on resolution strategies

• Serves as a subject matter expert on commercial property policies and insurance programs

• Represents the Property Claims department when addressing escalated property claims concerns or issues. 

• Works closely with other appropriate teams, including Claims Legal, Coverage Counsel, Underwriting, and external vendors, to resolve property claims handling, coverage and/or contractual issues

• Works collaboratively with property claims team members and other departments to identify and resolve issues and gain alignment on claim strategies

• Validates claims data and maintains data integrity. 

• Reviews multiple sources of data and reconciles inaccuracies as appropriate

• Assesses current state claims handling practices and provides feedback and input to streamline claims operations internally as well as externally with insurance partners

• Monitors existing and proposed legislation, court decisions and trends and pertaining to coverage issues that could impact EMC’s handling of property claims.

• Analyzes potential impact to claims policies and procedures, and advises Claims Management on appropriate action to mitigate risks

• Organizes and provides educational opportunities and training for all Property Claims team members to ensure consistency within the entire department

• Provides technical expertise and input on reserve recommendations to the Regional Property Claims Directors

• Participates with the interviewing and hiring of claims team members

• Reviews and evaluates allocated and unallocated expenses for the entire property claims department. 

• Reviews findings with Regional Property Claims Directors to develop proposals on departmental policies for expense management and reports recommendations to the Property Department AVP’s

• Evaluates and approves selection of independent adjuster firms, engineers, origin and cause investigators, appraisers, claim consultants and other vendors.  

• Manages this information within EMC’s system to house and distribute vendor information

• Represents the property claims department with Corporate Legal and Information Technology stakeholders to ensure all external vendor relationships and agreements follow legal and technology requirements and guidelines

• Works closely with the Claims Compliance and Quality Assurance team and Regional Property Claims Directors to provide ongoing support for property claim handling, including oversight and implementation of best practices for the property team members

• Serves as the point person to monitor progress on property claims wide audit action plan items implemented by the Property Claims leadership and works closely with these parties to report to the property claims AVP’s

• Leverages Voice of the Customer insights on all aspects of customer interactions to identify customer pain points, challenges, and hurdles.  

• Advises and collaborates with Property Claims leadership on approaches to positively enhance customer interactions and reduce undesirable experiences

• Manages the direct repair program. 

• Researches, develops, and implements any updates or adjustments necessary. 

• Collaborates with the vendor to ensure a beneficial relationship to EMC. 

• Reviews results and outcomes from claims using the direct repair program, and resolves issues as appropriate

• Manages and implements Xactimate and XactAnalysis licenses and use requirements

• Serves as the subject matter expert from the property claims department on the business continuity committee to ensure the property claims department is able to adapt and operate efficiently during a disaster or claims system interruption

• Represents the property claims department for all CoreConnect reporting, questions, and requirements (GuideWire/ClaimsCenter)

• Leads and/or participates in corporate claims projects.

• Coordinates resources and team members for implementation of policies and procedures for the Property Claims department. 

• Follows-up on projects after implementation to ensure success. 

• As part of the property claims leadership team, participates in establishing and maintaining  of claims service standards and procedures for the investigation, evaluation, and disposition of claims. 

• Serves on Corporate Office Claims Committee and other committees. 

• Collaborates with Property Claims leadership to identify storm occurrences that require implementation of the catastrophe program

• Provides recommendations on direction and guidance for the management, staffing, and resources required based on the storm details

• Reviews, identifies, and resolves discrepancies identified as catastrophe related but not matching the required criteria

• Evaluates and approves local and national independent adjuster companies and their fee schedules for catastrophe claim handling. 

• Serves as the primary contact for the Property Claims department on all catastrophe communications with internal and external catastrophe response stakeholders

• Assists Property Claims leadership with property incurred but not reported (IBNR) projections

• Compiles data and performs reporting for PLRB Occurrence and PCS Event information to Property Claims leadership

• Develops and fosters relationships with claims, underwriting, and marketing teams to educate agents on claim services offered by EMC, as well to ensure agents receive superior customer experiences and select EMC as their insurer of choice.

• Collaborates with Corporate Office Underwriting,

• Actuary and Marketing departments to track line of business development and review opportunities for improvement. 

Education & Experience:

• Bachelor’s degree or equivalent relevant experience

• Ten years of property claims handling experience in progressively responsible roles, including prior experience with large loss claims

• Attainment of all applicable state licenses as required

• Insurance designations, such as AIC, CIC, AIM and CPCU preferred

Knowledge, Skills & Abilities:

• Superior knowledge of the theory and practice of the property claim function

• Superior knowledge of property insurance contracts, construction and weather terminology, as well as policy conditions and court procedures regarding disputes on loss value or coverage

• Excellent knowledge of insurance contracts, and legal aspects of court procedures affecting legal liability for property line of insurance

• Superior organizational and written and verbal communication skills

• Superior investigative and problem-solving abilities

• Excellent leadership qualities

• Excellent knowledge of applicable computer software and claims systems

• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.

For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

All of our locations are tobacco free including in company vehicles.