We seek to continue to consolidate and broaden our brand as we move onto the next phase of our development and seek a dynamic personality to fit into an enterprising role with the ultimate aim of furthering our corporate success of customer satisfaction, growth and profitability. We have set up a new Independent Loss Adjusting firm with affiliate all over the world to serve the insurance industry (insurance brokers, insurance companies, reinsurance brokers, reinsurance companies and insuring clients; both local and international) in areas of risk management (pre-loss inspection and advisory services) and loss adjusting (post-loss assessment and adjustment). We seek a very qualified Loss Adjuster to run the firm. The qualified candidate will be based at the Company’s Head office in Osu, Accra.
- Minimum Qualification:Degree
- Experience Level:Mid level
- Experience Length:3 years
Our Company is Loss Adjusting Firm with multinational roots and partners. The focus is to bring to the Ghana and west Africa Insurance market a proven professional value that drives its commitment to provide excellent and unparalleled insurance loss adjusting services in the areas of both Pre-loss and Post-loss surveys and Insurance Claims adjusting. The brand is born out of partners that are well recognized and award winning with many prestigious honors in overseas markets.
Role: the qualified candidate will be responsible as follows.
You will be required to:
- Investigate, negotiate and settle variety of claims in an efficient and effective manner and in compliance with requirements.
- In disputed claims, to investigate the cause of the loss how a fire started, etc.
- Use your skills to resolve large, complex or contentious insurance claims on behalf of insurance companies.
- Conduct witness interviews, take statements and consult with police reports.
- Investigate the scene of an incident to establish the cause of the loss (for example, damage or destruction of property) and determine whether it is covered by the policyholder's insurance policy.
- Ensure that those who have suffered a loss receive all of the benefits and assistance to which they are entitled.
- Report in a variety of ways - in writing, through e-mail or on-line, and must present or report on these findings, propose solutions and negotiate settlements and agreements with third parties, clients or other concerned parties.
- Inspect and/or evaluate damage when required, estimate costs or commercial value, examine reports or other documents, evaluate losses, establish claims guidelines and quantifying settlement amounts.
- Participate in private and/or mandatory mediation, settlement meetings, settlement conferences, pre-trails, court proceedings and other dispute resolution methods as required.
- losses can involve tragic circumstances, and those affected may be in shock. It is important therefore that you have an empathetic, caring and supporting attitude. attend the site of a loss to survey and assess the damage
- Interview the policyholder making the claim to discuss valuation and validation of the claim
- Gather and check through evidence, for example CCTV footage or police reports
- Request reports from specialist third parties, such as building surveyors
- Ensure the site is secure to prevent any further damage
- Organize any salvage work, building repairs or clean-up operations that need to take place
- Make sure that the loss or damage is covered sufficiently by the terms of the policyholder's insurance policy
- Advise both insurers and claimants about repair issues
- Investigate suspicious claims by checking, for example, the existence and value of goods being claimed for.
- Provide evidence in court in cases of fraud
- liaise with insurance brokers, policyholders, lawyers and other parties to reach an equitable settlement
- Write full and detailed reports for insurers, including recommendations for settlement
- Negotiate and resolve disputed claims
- Help businesses to quantify the loss of income while the premises are closed for repair
- Advise claimants on security and other precautions to reduce the risk of further losses in the future.
- Spend your time between the office and on-site investigating claims. This can either be in people's homes or commercial premises.
- Depending on the complexity of the claim, carry out several inspections a day or spend several days on one case.
- Wear protective clothing, particularly if you're drafted in following incidents such as fires, earthquakes, flood, etc.
- Due to the investigative nature of the work, feel comfortable working to tight schedules and under pressure.
- Adjust losses in the areas that include but not limited to: Property - covering buildings and contents, Business interruption (BI) - includes both BI and other financial risk claims, Liability - covering employers, public and product liability, as well as professional indemnity claims, Claimant - where you are employed by a policyholder to provide expert claims advice and assistance, Subsidence/collapse - a mixture of building surveying, structural engineering, geotechnical engineering and loss adjusting and Fraud investigation - investigating claims which may be false or exaggerated.
Managerial Skills & Responsibilities:
- Good Interpersonal skills.
- Good Communication and motivation.
- Good Organization and delegation.
- Forward planning and strategic thinking.
- Problem solving and decision-making.
- Commercial awareness.
Additional skills required:
- Good interpersonal skills for liaising with clients who may be distressed or in shock
- Diplomacy, negotiation and influencing skills
- A good standard of numeracy
- Oral and written communication skills for writing reports
- Research, investigation and analytical skills
- The ability to use your judgement to determine the validity of a claim
- Problem-solving and decision-making skills in order to bring a claim to a conclusion
- The ability to prioritize your workload and manage your time effectively
- Attention to detail
- The ability to work independently, under pressure and to strict deadlines
- Team working skills for work on more complex cases as you will be liaising with other professionals such as engineers, surveyors and accountants
- Strong commercial awareness
- Integrity and professionalism
- A flexible approach to work, as you may be called in during an emergency
- The ability to remain calm in difficult circumstances
- Confidence, tenacity and resilience.
- Negotiable but will depend on your experience and qualifications.
- Chartership will be an advantage
Although you will generally work typical office hours, you may need to attend call-outs in the evenings and at weekends in response to emergencies.
- A relevant degree in the following areas plus an Associate Chartered Insurance Institute (ACII) or Chartered Loss Adjuster (CILA) or their equivalents is desired:
Building or construction
Engineering (Electrical, Mechanical, Civil and Chemical)
Finance & Accounting
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