Non Motor Field Assessor- Newcastle at Santam Insurance

JOB DESCRIPTION

• The purpose of this position is to determine the quantum and merit of segmented non-motor claims by performing investigations, verifying the description of the event with the loss, negotiating with (client, intermediary and service providers) and settlement of claims within a delegated threshold and according to contract conditions. Build and Maintain Broker Relations

PRINCIPAL ACCOUNTABILITIES

• Receive instruction from scheduler on appraisal notes and documents Review and confirm completion and accuracy of documents, policy and conditions, that pertain to the claim.
• Plan routes for claims, make arrangements and contact clients. 
• Identify what is required and outstanding from client
• Review merit and plans  for  what  needs  to  be  investigated  and  whether specialist expertise are required e.g. a builder or engineer etc.
• Visit the client and validate the loss. 
• Interact with the client and do a physical inspection of inventories. Complete Value at Risk and Inventory with the Client 
• A Appoint specialist resources if required
• Assess risk to provide recommendations to underwriting
• Interaction with the SAPS, weather bureau etc. to assess merit
• Compare info collected to the policy requirements and claim details presented
• Item identification (value and proof of ownership)
• Determine equivalent replacement value by contacting suppliers and getting input from experts/moderators
• Decide and negotiate on replacement, cash or claims card
• Authorise repairs or cash settlement
• Write claims report; authorise settlement, details of claim, findings, circumstances, merit, quantum or risk recommendations
• Update the Claim File and associated documents to the Central Filing System with Santam (DPC)
• Handle complaints, queries and interaction with clients, intermediaries, service providers, internal stakeholders relationship managers, claims committee and options from underwriters
• Responsible for all policy sections, including damage to buildings e.g. ceiling and carpets, pertaining to personal lines
• Responsible for all policy sections of an agricultural nature (excluding motor, BI, internal and external risk and liability)
• Authority to appoint field experts e.g. builder or electronics specialist
• Required to moderate claims i.e building, electronic items and jeweller, between the value of R35, 000 and R150, 000 for current segmentation rules

QUALIFICATIONS AND EXPERIENCE

• Matric
• Completed short-term insurance qualification (NQF4) 
• 3 to 5 years of Non Motor field experience 

SKILLS

• All relevant product training completed
• Familiar with IM external systems
• Must have experience in adjusting process, assessor reporting tools, building terminology, repair estimation on building damage, indemnity issues, non-standard roofing e.g. thatching, floor coverings, gyproc, building repair calculator and advanced electronic equipment
• Ability to do investigations on buildings, contents and Agriculture.
• Ability to Effectively Communicate and Good Rapport Building abilities.