Inside Property Claims Adjuster

Why Bear River Mutual?

Bear River Mutual isn’t just a place to work — it’s a place where you can grow your career. With over 100 years of service, we’re proud of our legacy and continue to set high standards for service in the insurance industry. Our employees are the heart of our success, and we’re committed to creating a positive and supportive environment for our team.

• Recognized as one of Utah's Best Companies to Work for by Utah Business Magazine.
• A company that values work-life balance.
• Opportunities for career growth and development — we love to promote from within!

Benefits
Bear River Mutual offers a wide range of employee benefits:

• 120 hours of PTO for first-year employees
• Profit sharing up to 8% (pro-rated dependent on start date)
• Pension plan after five years of employment
• Medical, Dental and Vision plans
• Employer HSA contribution
• Company 401(k) match up to 4%
• Tuition reimbursement for job-related education
• Paid Life Insurance
• Eleven Paid Holidays
• One Personal Day

Job description:

Responsible for the investigation, negotiation and resolution of Property Loss claims. This includes review of written estimate of repairs or replacement using computerized estimating software.

Responsible for documenting and organizing claim records to support payment. Must investigate and apply the appropriate policy coverage and legal analysis for payment of claims as well as third party liability. Projects the Company’s professional image.

As an exempt employee, this position is paid to get the job done, which may mean additional hours will need to be worked, depending on the circumstances.

The employee customarily and regularly exercises independent judgment and discretion.

Essential Job Functions and basic duties:

Maintains high standards for customer service relations. This includes prompt contact and follow up to resolve claim issues as well as actively pursuing claim investigation to reach an expedient resolution.

Conducts a thorough investigation of coverage, liability and damages. Must maintain supporting evidence for payment or denial.

Audits mitigation and repair estimates with documentation of damages from the desk. This may include reviewing photos,

inventories, scope of damage, diagrams, etc.

Coordinates repairs or replacement of damaged property, temporary housing, emergency restoration and contents replacement.

Negotiates claim to a fair resolution.

Responsible for conducting risk analysis for home safety standards.

Prepares cost estimator to establish insurance to value.

Maintains an adequate claim reserve for anticipated loss and claim expense payments.

Responsible for managing costs in association with all aspects of recovery (subro, salvage and reinsurance) as well as loss adjustment expenses.

Understanding of and compliance with Utah Unfair Claim Practices Act.

Manages claims involving Public Adjusters.

Manages claims involving attorney repped clients and litigation.

Manages claims of high complexity, involving high authority and loss costs.

Other Job Functions:

Occasional onsite damage assessment or accident scene investigations, including measurements, photographs and witness contact.

Other duties as assigned.

Qualifications:

Education/Certification: College degree or equivalent training.

Required Knowledge: Working knowledge of property damage estimating.
Knowledge of computer related applications.
Working knowledge of Home construction.

Understanding of Insurance policy contracts and coverage.
Understanding of the Utah Unfair Claim Practices Act.

Skills/Abilities:

Excellent communication and public relations skills.
Well organized and attentive to detail.

Excellent negotiation skills.
Good computer skills.
Ability to problem solve and resolve conflict amicably.
Clean driving record.

Job Type: Full-time