Property Technical Claims Handler
Zurich Insurance Europe AG, Ireland Branch is looking for an experienced Property Claims Technical Expert to join our GI Claims team. This role will encompass a combination of technical property claims handling in addition to supporting the wider Property Claims team with technical development and upskilling.
The successful candidate will manage a portfolio of technical property claims to ensure the appropriate claims strategy is deployed and will act as a technical referral point to ensure provision of excellent claims service across the Property claims portfolio.
This role will assist with enhancing technical expertise across the Property claims team and will complete regular reviews of portfolios and KPI's to identify improvement actions.
Reporting to the Property Technical Team Lead the successful applicant will work closely with other internal operations, such as Underwriting, Finance, and Sales & Distribution to ensure all areas of the business are managed according to the Zurich Way of Claims. This position will play an integral role representing the Zurich brand in technical property claims to our customers. The successful candidate will be fully supported for career advancement and progression in their area of interest.
Your Role
Investigate, negotiate, regulate, and settle technical property claims in the most effective, efficient way whilst delivering a customer-centric claims service, in a manner which supports Zurich Basics. Provide technical guidance and support to the Property Claims team with a clear focus on upskilling and capability development.
The successful candidate's responsibilities will include, but not necessarily be limited to the following:
Claims Handling
1. Proactively manage a portfolio of cases to achieving a settlement, within the designated personal authority level.
2. Promptly handles and resolves enquiries from both customers and internal/external contacts to ensure delivery of a focused claims service within own authority limits in accordance to reserving philosophy.
3. Close collaboration and engagement with Zurich's Loss Adjuster Partners.
4. Correctly interprets / gathers information to effectively assess the value of the loss/scope of work and to recognise potential fraud indicators and recovery opportunities.
5. Efficiently manages complex referrals from team members and claims teams for investigation populating appropriate data systems to ensure transparency of activity and audit trail.
6. Conducts appropriate desk-top and external investigations including physical external investigation where necessary with claimants, customers and any other persons relevant to the investigation and proactive management of the claim.
7. Correctly interprets / gathers information to identify causation and assess the extent of legal liability.
8. Oversee case strategies by providing direction, technical guidance, and tracking and reporting on key metrics.
Team Development
9. Provides technical guidance to the Property Claims team and stakeholders on area of technical expertise, collaborating with the team to identify and deliver training/coaching opportunities.
10. Identify opportunities to enhance technical claim's operational efficiencies and streamline processes.
Customer
11. Determine exposure and financial impact of decisions on customer relationships – taking into account programme structure to ensure reserves are correctly assessed, liability decisions are communicated to the appropriate stakeholders and investigations conducted to negotiate the loss within specific area of expertise.
12. Manage key internal and external relationships to ensure all key stakeholders are informed on relevant file updates.
13. Support quality and delivery of service level agreements with key supporting vendors within area of responsibility.
14. Contribute to customer satisfaction targets by building and maintaining relationships with internal colleagues, external customers, and brokers, and analysing and resolving quality and customer service problems.
Your Skills and Experience
Required:
15. 5 years plus industry experience.
16. Loss Adjusting or complex claim handling experience.
17. Holds or is working towards relevant professional qualifications i.e. CIP, MDI, ACII, C Dip LA
18. Excellent technical Property Claims insurance knowledge.
19. Excellent numerical and analytical skills
20. Strong decision-making skills.
21. High level of interpersonal and communication (verbal/written) skills
22. Experience in the engagement of suppliers and external vendors
23. Ability to recognize, understand and adhere to appropriate legislative regulations.
Competencies:
24. Ability to work within a team environment.
25. Ability to build key relationships with customers internally and externally.
26. Excellent communication skills (both verbal and written)
27. Enthusiasm, ambition, and innovation
28. Ability to operate independently.
29. Pro-active with strong problem-solving, decision-making and judgment skills
30. Excellent attention to detail, including a strong ability to multitask.
31. Excellent planning and organisational skills that support a high service standard.
32. All employees are expected to work in accordance with the behaviours laid out in Zurich Purpose and Values.