Job Description

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.

**This position is eligible to work from home anywhere in the US**

As a Casualty Claims Adjuster, you'll independently investigate, evaluate, negotiate, and resolve moderate-complexity claims while delivering exceptional service to insureds, claimants, agents, and business partners. Your expertise in coverage analysis, liability evaluation, settlement negotiations, and regulatory compliance will help drive fair, timely claim resolutions and positive customer outcomes. Working closely with cross-functional claims and underwriting teams, you'll play a key role in protecting the company, supporting policyholders, and ensuring claims are handled efficiently from first notice through final resolution.

Essential Functions:

• Investigate and evaluate low to moderate complexity auto and casualty claims, ensuring coverage, deductibles, and payees are verified.
• Initiate timely contact with insureds, claimants, and witnesses; obtain and document statements and relevant claim information.
• Gather, review, and analyze investigative reports, claim forms, contracts, policies, and supporting documentation.
• Maintain accurate claim documentation, reserve analyses, and Medicare reporting within the claims system.
• Establish and manage adequate reserves in accordance with company reserving guidelines.
• Identify recovery opportunities, pursue subrogation, preserve evidence, and ensure regulatory compliance, including required correspondence and claim forms.
• Review bills, invoices, receipts, appraisals, and repair estimates for accuracy, appropriateness, and cost effectiveness.
• Draft coverage-related correspondence, recommend claim escalation or reassignment when needed, and provide responsive claim status updates to agents, insureds, and claimants.
• Evaluate coverage, liability, damages, and claim value; prepare settlement strategies, obtain authority, and negotiate timely claim resolutions.
• Manage liens, including Medicare-related issues, and prepare settlement, release, and payment documentation.
• Collaborate with internal teams, including Estimatics, SIU, Subrogation, Medical Review, and Claims Legal, by submitting referrals and sharing claim insights.
• Prepare risk reports and participate in claim roundtables to evaluate complex cases, coverage issues, and damages.

Education & Experience:

• Bachelor’s degree or equivalent relevant experience
• One year of casualty claims adjusting experience or related experience
• Relevant insurance designations preferred

Knowledge, Skills & Abilities:

• Good knowledge of the theory and practice of the claim function
• Good knowledge of insurance contracts, medical terminology and substantive and procedural laws
• Strong knowledge of computers and claims systems
• Ability to obtain all applicable state licenses
• Ability to adhere to high standards of professional conduct and code of ethics
• Good organizational and empathetic interpersonal skills
• Strong written and verbal communication skills
• Good investigative and problem-solving abilities
• Excellent customer service skills
• Ability to maintain confidentiality
• Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

$55,795 - $77,098 or $61,659 - $84,778

A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.

For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

All of our locations are tobacco free including in company vehicles.