Claim Representative III - Property

Why CIG?

At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!

CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.

Why choose CIG’s Claim’s Team?

CIG claims department is here to support our insureds throughout their claims process. We work directly with our agency partners and policyholders to accomplish successful claim resolutions. Join the claims operation and you can be part of a team who provides excellent service, build relationships, and achieves successful outcomes for our clients.

Learn what it means to be a Claim Representative III - Property at CIG HERE !

Benefits

• Accrue twenty-one days of Paid Time Off during your first year
• Up to eighty-seven percent of benefits covered by CIG for you and your family members
• Medical, dental, vision plans
• One hundred percent covered plans
• Basic Life & AD&D
• Employee Assistance
• Leave Management
• Long Term Disability
• Short Term Disability (Outside of CA)
• Family Caregiver Support (Homethrive)
• Child Care Resources (Tootris)
• Business Travel Accident Protection
• Voluntary benefit offerings
• Short-term (CA only)
• Voluntary Life AD&D self, spouse and child plans
• Flexible Spending
• Health Savings (HSA)
• Hospital Indemnity
• Accidental Injury
• Critical Illness
• ARAG Legal Services
• Norton LifeLock
• Nine paid holidays, plus two floating holidays
• Above and Beyond Reward Recognition Program
• Kudos & Shout Out Points Program
• Quarterly Above and Beyond Bonus Program
• Annual Above and Beyond Bonus Program
• Competitive compensation
• Base compensation
• Salary Management Spot Bonuses
• Annual Incentive/Profit sharing program, potential payout annually based on company results.
• Discount partnerships
• Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more
• Insurance Educational reimbursement and bonus programs
• Employee Referral Bonus Program
• Home and Auto Insurance Discount Program.
• Paid Volunteer Time – Through company planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
• Retirement savings benefit (401k and Roth + match)
• Health & Financial Wellness
• Wellness platform, tools and events
• Health Savings Account – match
• Financial Wellness Resources
  

Work Environment

This is a hybrid-eligible position, where Monday through Wednesday would be working in our Roseville office, with Thursday and Friday eligible for work-from-home days.

Job Overview

Provides the highest company-wide level of technical claim-handling, including investigation, evaluation, and negotiations pertaining to Property, Collapse, Earth Movement and Total loss of building. Supports the team as technical supervisor in manager’s absence. Assists with Regional audits, mentors less experienced Claim Reps and performs other duties as required or assigned by the Claim Manager or Director.

Responsibilities

• Monitors and evaluates the most complex claims in the company. Investigates and inspects at the loss site. Completes Estimates at the loss location.
• Evaluates the loss, coverage, construction costs, construction techniques, local building codes and ordinances. Determines cause and origin of the loss.
• Identifies questionable or inconsistent information and works with our SIU department if applicable.
• Documents claim files accurately and thoroughly and composes reports, correspondence and documentation to track and report on the status of individual claims in compliance with reinsurance needs and State DOI regulations
• Identifies all recovery opportunities and salvage issues and loss exposures. Initiates arson and SIU related investigation reporting. Facilitates investigation of responsible parties and referrals of subrogation activities.
• Settles claims within the scope of the Company’s contractual and legal obligations to ensure that settlements are fair and equitable to the insured, the claimant, and the Company. Determines the extent of damages formulates and communicates settlement offers.
• Establishes and monitors claims and reserves, to accurately reflect CIG’s total exposure for the loss. Reviews reserves periodically to evaluate based on new evidence or developments in the life of a claim. Reports findings on reserve issues and damages as needed to our reinsures.
• Communicates with Claim Managers, insureds, agents, experts, and others associated with an individual claim, in writing, orally and face-to-face. Communicates with Underwriting and Loss Control when deficiencies are noted involving the insured risk. Determines when additional resources are needed beyond the scope of the incumbent’s position or individual capabilities and communicates needs to the Claim Manager and Director. This position may also work with defense attorneys in discovery process.
• Serves as a technical leader among the teams and support the manager(s) with technical duties such as completing annual and quarterly file audits.
• Job description is not prescriptive, but rather a guide as to the duties and responsibilities you will have, however it is not limited to the listed above.
  
  

Requirements

• College degree or equivalent experience and seven (7) years of claim experience, including three years’ experience in handling complex claim files.
• Knowledge of Current claims laws, specifically civil and tort law and current trends in Property insurance case law and issues
• Good working knowledge of mathematics and common accounting practices which relate to gross and net income or living-expense calculations.
• Demonstrate strong negotiation skills and communicate complex legal concepts and policy-contract interpretation in writing and orally
• Plan, organize, and prioritize work under the pressure of critical deadlines
• Perform inspections of sites and properties, including roofs, basements, and attics, which may require the use of ladders or stairs to access or the ability to kneel, crawl, and bend
• Demonstrate strong negotiation skills and communicate complex legal concepts and policy-contract interpretation in writing and orally
• Maintain a valid California Driver License and operate a vehicle
  
  

Career Path Potential

• Claims Manager - Property
  
  

Salary Range: $71,606-$118,150

The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.