Inside Claims Representative

Location:
MOFB Home Office

Address:
Jefferson City, MO

Company:
Missouri Farm Bureau Services

Organization:
Claims South Area

Requisition ID:
2025-025

Job Type:
Full-Time

Posting Date:
02/12/2025

Closing Date:
04/30/2025

SUMMARY: Responsible for the assignment and handling of moderate to complex multi-line insurance claims which include: coverage analysis, investigation, determination of liability, evaluation, negotiation, settlement, salvage, and subrogation. Adjudicates claims within assigned settlement authority and adheres to applicable laws, regulations, and company guidelines.

ESSENTIAL DUTIES

Documents the claim file in a prompt, clear, and concise manner, with the facts gathered in the investigation.
Evaluates coverage, gathers evidence and documentation, and determines whether coverage is applicable for assigned losses.
Establishes, evaluates, and maintains individual case reserves in accordance with the Claims Department Reserving Philosophy.
Applies proper legal theory in assessing fault, and throughout the claim adjudication process.
Negotiates fault and damages with insureds, claimants, adverse carriers, attorneys, or other involved parties.
Prepares detailed, technical, written correspondence to communicate investigation, findings, policy application, or other activities involved in the adjudication of a claim.
Assigns injury claims to the appropriate claim handler within the casualty discipline.
Determines value of covered damages, and adjudicates the claim within their authority level, or presents valuation evidence to the Claims Supervisor for additional authority as needed, while maintaining compliance with applicable laws, regulations, and company guidelines.
Coordinates with outside vendors for estimate reviews, appraisal services, and official reports.
Performs subrogation activities to recover loss dollars from liable parties.
Assists in the handling of claims at other claim levels as necessary and within authority.
Assists with storm claims as needed.
Assists with training personnel as needed.
Provides excellent customer service to all external and internal customers, and maintains good working relationships with field and Home Office personnel.
Performs other duties as assigned.

EDUCATION and/or EXPERIENCE

Inside Claims Representative – Bachelor’s Degree required, except that additional related work experience may be substituted on a year-for-year basis for the formal education requirement.

Senior Inside Claims Representative – Bachelor’s Degree required, except that additional related work experience may be substituted on a year-for-year basis for the formal education requirement, plus five years of moderate to complex multi-line claims experience, and completion of the Associate in Claims (AIC) designation. Seven years of moderate to complex multi-line claims experience may be substituted for the AIC designation requirement.

QUALIFICATIONS

Ability to learn and operate claims-related software.
Ability to handle a high volume of detailed work accurately and completely.
Ability to research and compile information and exercise good judgment.
Engages in continuous learning opportunities to further develop skills and capabilities in procedures and principles
Consistently presents a calm, competent, and professional image to the public and other MOFB employees
Takes responsibilities seriously and consistently meets MOFB’s expectations for quality, service, and professionalism
Co-operate with team members to contribute to the achievement of MOFB’s goals and mission