SUMMARY DESCRIPTION: The Commercial Field Adjuster is responsible for investigating, inspecting, negotiating, and bringing to final resolution property claims of all named-peril losses. For claims where the damage is less severe, the Commercial Field Adjuster may be assigned tasks, such as verification of damage. The role’s primary duties include reviewing coverage, inspecting damaged property, and estimating repair/replacement costs in accordance with the client’s and RENFROE’s guidelines. The Commercial Field Adjuster is also responsible for documenting all activity, submitting proper claims paperwork, handling varied types of commercial policies, meeting with contractors or other representatives, effectively communicating with the client and all stakeholders, and ensuring compliance with legal and contractual obligations.

REPORTS TO: Assigned RENFROE Manager

ESSENTIAL JOB FUNCTIONS:

· Follows RENFROE and clients’ policies and procedures to handle all assigned commercial claims
    · Works with the RENFROE Manager and other adjusters to share knowledge and experience and to gain new skills
    · Works within a team model and may report to a General Adjuster and/or an Executive General Adjuster
    · Completes assigned property adjustments, such as property or contents inspections, verification of loss, and updates     claims as new information becomes available using XactAnalysis, Xactimate, or other estimating platforms
    · Manages the progression of claims/tasks and claim inventories assigned to them
    · Travels to the loss location to inspect the commercial property, which could include climbing the roof, inspecting the     attic, or other inspection points, to establish the cause and scope of the loss
    · Works with contractors or another representative to reach an agreement on the scope of loss
    · Works with building consultants on medium to complex losses
    · Ensures receipt of competitive bids when applicable
    · Reviews the insurance policy and endorsement details to confirm coverage
    · Contacts and interacts with the insured to obtain documents such as property deeds, purchase receipts, warranties,     photographs, or other documents to establish the existence, ownership, and value of the items claimed lost
    · Assists the client and the commercial claims examiner in determining coverage, setting initial/preliminary reserves, and     amounts for business income loss, rental value, “extra expense,” and other applicable coverages
    · Writes closing reports, including recommendations for repair and/or replacement, the pursuit of subrogation, and salvage     potential
    · Maintains required jurisdictional adjusting licenses as required by the client and/or RENFROE
    · Does not handle claims for which they do not have client authorization or for which they are not licensed
    · Tracks and appropriately documents all time and expenses (T&E) for reporting to the client and/or RENFROE
    · Participates and communicates in client team meetings to discuss claim handling trends, team production, and any claim     handling concerns or changes
    · Makes suggestions on ways to improve process efficiency
    · Participates in special projects and completes other duties as assigned

Non-Authorized Activities:
Commercial field adjusters should not:
    · Communicate training requirements to client staff adjusters and non-affiliated firms
    · Communicate training requirements to any claim handler who is not deployed with RENFROE
    · Discuss Human Resource issues with any client staff adjusters in any segment or any claim handler that is not deployed     with RENFROE
    · Discuss any of the following topics with a client staff adjuster or any claim handler that is not deployed with RENFROE:     job openings, termination, prior work history, attendance, absence requests, daily work schedule, claim volume or     workload, meal and rest break schedule, promotions, development, compensation, or mentoring of any kind

EXPERIENCE/QUALIFICATIONS:

    · Minimum of 2 years of commercial property claims experience is preferred
    · Participation in technical insurance coursework is preferred, such as CPCU
    · Experience using various claims processing systems is preferred
    · Appropriate licenses, depending on state requirements, and successful completion of required/applicable claims     certification training classes
    · Effective problem resolution and decision-making skills to include analyzing insurance policies and information,     demonstrating sound judgment, and utilizing one's own experience and the experience of others
    · Strong analytical skills and consistent attention to detail
    · Knowledge of ISO forms, client commercial policy coverages, procedures, and systems
    · Communicates clearly and effectively, both verbally and in writing
    · Strong customer service orientation and good rapport with the insured
    · Well-organized and hard-working, with the ability to thrive in a fast-paced work environment
    · Strong interpersonal skills and proven ability to establish good relationships with clients, RENFROE management,     employees, and others with whom they interact
    · Computer skills, including but not limited to practical knowledge of Word and Excel

PHYSICAL DEMANDS:

    · Ability to operate an automobile and have a valid driver’s license with a safe driving record
    · Ability to travel by automobile or airplane
    · Must be able to lift, carry, unfold/extend, and climb a ladder (which may exceed 50 lbs. in weight) that is approved by     the appropriate regulatory agency or complies with legislative or regulatory occupational health and safety requirements
    · Must be able to complete measurements of roofs and inspect interior as necessary, including attics, basements, and crawl     spaces for residential and commercial structures
    · Must be able to do the following while conducting an inspection: climb, bend, crawl, stoop, walk, reach, kneel, squat,     and carry/lift objects (typically weighing less than 50 lbs.)
    · Must be able to work outdoors in all types of weather
    · Ability to operate a telephone and a computer for extended periods of time
    · Must be able to work extended and varying work schedules, including working up to 12 hours a day, 7 days a week, for     extended periods of time, including weekends and holidays
    · Ability to work in a fast-paced, changing, and multi-tasking environment