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Job Summary
This individual contributor position works in the field as a primary catastrophe claim responder, under moderate direction and within defined authority limits, to manage commercial property claims with moderate to high complexity and exposure. Responsibilities include traveling to loss sites countrywide, conducting on-site inspections, investigating and resolving commercial property claims according to company protocols, quality, and customer service standards. Position requires regular face-to-face and/or telephonic communication with Commercial Property customers and distribution partners.
This is a Field-based Position that can operate from home with the expectation to mobilize to areas of the US impacted by property catastrophes and other events for up to 2-3 weeks in duration.
This is a remote role; open to candidates living in a US city located near a major airport.
Essential Duties & Responsibilities
Performs a combination of duties in accordance with departmental guidelines:

• Manages an inventory of moderate to high complexity and exposure commercial property catastrophe claims (and non-CAT claims when business conditions necessitate) by following company protocols to inspect losses, canvass insured locations, verify policy coverage, conduct investigations, develop and employ resolution strategies, and authorize disbursements within authority limits.
• Provides exceptional customer service by interacting professionally and effectively with insureds, business partners and suppliers, achieving quality and cycle time standards, providing regular, timely updates and responding promptly to inquiries and requests for information.
• Verifies coverage and establishes timely and adequate reserves by reviewing and interpreting policy language and partnering with coverage counsel on more complex matters, estimating potential claim valuation, and following company's claim handling protocols.
• Conducts focused investigation to determine liability and covered damages by conducting physical inspections of loss sites, gathering photos, preparing Xactimate estimates (from onsite inspections and virtual/desk reviews), partnering with forensic accounting, and gathering other pertinent data to verify the facts of the claim.
• Establishes and maintains working relationships with appropriate internal and external work partners, suppliers and experts by identifying and collaborating with resources that are needed to effectively resolve claims.
• Authorizes and ensures claim disbursements within authority limit by determining liability and compensability of the claim, negotiating settlements and escalating to manager as appropriate.
• Contributes to expense management by timely and accurately resolving claims, selecting and actively overseeing appropriate resources, and delivering high quality service.
• Identifies and addresses subrogation/salvage opportunities or potential fraud indicators by evaluating the facts of the claim and making referrals to appropriate Claim, Recovery or SIU resources for further investigation.
• Achieves quality standards on every file by following all company guidelines, achieving quality and cycle time targets, ensuring proper documentation and issuing appropriate claim disbursements.
• Maintains compliance with state/local regulatory requirements by following company guidelines, and staying current on commercial insurance laws, regulations or trends for line of business.
• May serve as a mentor/coach to less experienced claim professionals including vendor resources as needed.

Reporting Relationship
Manager or Director
Skills Knowledge and Abilities

• Solid knowledge of claims and insurance industry theory and practices.
• Demonstrated technical expertise and product specific knowledge.
• Strong interpersonal communication and negotiation skills. Ability to effectively interact with all levels of CNA's internal and external business partners and customers.
• Ability to work independently managing time and resources to accomplish multiple tasks and meet deadlines.
• Strong analytical and problem solving skills enabling viable alternative solutions.
• Ability to exercise independent judgment and make critical business decisions effectively assessing the merits of claims as well as evaluating claims based on a cost benefit analysis.
• Solid knowledge of Microsoft Office Suite as well as other business-related software.
• Ability to adapt to change and value diverse opinions and ideas.
• Ability to handle claims with a proactive long-term view of business goals and objectives.
• Must be able to travel to visit loss sites and perform inspections in the field 50-75% of the time.
• This position requires the ability to travel to other offices and/or locations and be available for Catastrophe (CAT) deployment. This includes travel on short notice and may be for periods in excess of two consecutive weeks.
• Must have and maintain valid driver's license.
• Must be able to obtain and maintain proper licensing as required.

Education and Experience

• Bachelor's degree with 3 or more years of claim handling experience in the line of business, OR High School Diploma with 5 or more years of claim handling experience in the line of business
• Must have or be able to obtain and maintain an Insurance Adjuster License within 90 days of hire
• Must have and maintain valid driver's license and reside within a reasonable drive-time to a major US airport
• Professional designations such as CPCU are a plus

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