Insurance Claims Adjuster (Non-motor)

The Non-Motor Claims Adjuster is assists in the inspection, investigation, evaluation, and settlement of claims under the supervision of more senior claims professionals. The role involves reviewing claims, gathering relevant information, damage assessment, and ensuring that claims adjustment is in accordance with the covering policies, industry standards, and regulatory requirements. The Non-motor Claims Adjuster plays a key role in ensuring efficient claims management and high levels of customer service.

Functions (Duties and Responsibilities):

1. Inspection
Receive request for claims inspection from the Adjustment Supervisor
Conduct initial assessment from the interview of claimant and submitted incident report
Upon confirmation of the Adjustment Supervisor, schedules and finalizes appointment with insured/claimant
Proceeds to the site of inspection and conducts physical inspection of damaged property
2. Claims Evaluation & Investigation:
Relate the damages observed against the loss details narrated by the insured/claimant
Analyze the loss details and actual damages and validates legitimacy of the claim and prepare preliminary report then submit to the adjustment supervisor and adjustment head for review and approval
Provide or report to Head the vital information, concerns and analysis that needs further
investigation and recommends assignment to an external investigator.

Refer and collaborate with the Adjusters and Head for the initial evaluation reports complex
claims
Submit to Head the evaluation report with recommendation of settlement offer / compensability
3. Fraud Retention and Reporting
Further investigation of submitted documentations to make sure that overpayment of claims will not occur
Consult with specialists such as lawyers, engineers, architects, and other related professions
Identify Fraud cases and collaborate with Fraud Department to establish specific measures that
help detect fraud, thus improving the underwriting and financial result
4. Customer Service (Feedback and Collaboration)
Assist claimants and/or agent/broker during claims process which includes providing updates/status of claims
Receive reports/complaints from claimant, agent, and other departments
Submit explanation letter to Head through the Supervisor on what transpire during the claim
process that trigger the complaint/s.
Provide assistance to external adjusters during the claim process which includes monitoring and
follow-up of documentation and claimants.
Discuss discrepancies on policy interpretation with Head through the Supervisor
Attend meeting/s to discuss the pending claims and how to improve TAT
Job Skills And Qualifications:
- Graduate of any 4 yrs bachelor’s degree.
- 2 – 5 yrs experience in Non-Motor Claims or having prior experience in a claims department or
working with insurance claims can be a significant advantage.
- Prior customer service and loss adjustment experience, preferably in an insurance company or adjustment company.
- Strong organizational and multitasking skills.
- Strong analytical capabilities
- Proficient in Microsoft Office Suite (Excel, Word, etc.) and familiarity with claims management software.
- Attention to detail and high level of accuracy
- Strong communication skills, both written and verbal.
- Ability to handle confidential information with discretion.
- Team-oriented and proactive in assisting other claims staff.