Claim Representative III - Property

Capital Insurance Group

$77K — $129K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • College degree or equivalent experience with 7+ years in claims, including 3 years managing complex files.
  • Deep understanding of claims laws, especially civil and tort law related to Property insurance.
  • Strong mathematical and accounting knowledge for income and expense calculations.
  • Proven negotiation skills for complex legal and insurance concepts, both written and verbal.
  • Ability to work under pressure and meet tight deadlines while organizing tasks effectively.
  • Physical capability to inspect properties requiring mobility such as ladders and varied terrain.
  • Valid California Driver License and ability to operate a vehicle.

Responsibilities

  • Provide expert technical claim handling for property damages, collapses, and earth movement.
  • Supports and fills in as a technical supervisor during the manager's absence.
  • Assist with regional audits, ensuring compliance and accuracy.
  • Mentor and develop junior claims representatives, sharing expertise and guidance.
  • Conduct comprehensive inspections of damaged properties and assess the extent of loss.
  • Engage in negotiations with claimants and stakeholders, advocating for the company's position.
  • Perform additional duties as assigned by Claim Manager or Director.

Benefits

  • Accrue 21 days of Paid Time Off in the first year.
  • Up to 87% of medical, dental, and vision benefits covered for you and family.
  • Fully covered basic life insurance, disability, and employee assistance programs.
  • Nine paid holidays plus two floating holidays every year.
  • Recognition programs offering bonuses for outstanding performance.
  • Flexible voluntary benefits, including health savings and legal services.
  • Generous retirement savings plan with company match.
  • Paid time off for community service and volunteer opportunities.
  • Discounts on gym memberships, travel, and shopping through partnership programs.
Full Job Description
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 remote position working from your home. We are looking for a candidate who resides in the Central Valley. (Fresno, Visalia, Bakersfield territory)

Job Overview

Provides the highest company-wide level of technical claim-handling, including investigation, evaluation, and negotiations pertaining to Property, Collapse, Earth Movement and loss of building and structures. 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.

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
  • Candidates must be authorized to work in the United States without the need for current or future visa sponsorship.

Career Path potential:
  • Claims Manager - Property

Salary Range: $77,406.00 - $129,010.00

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.

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