Non-Motor Field Assessor at Santam Insurance

WHAT WILL YOU DO?

• The successful candidate will be responsible for assessing the quantum and merit of segmented non-motor claims by conducting investigations, verifying event details against reported losses, and negotiating with clients, intermediaries, and service providers to reach settlements within delegated authority and contractual terms.
• This role will cover the Gauteng and North-West regions

WHAT WILL MAKE YOU SUCCESSFUL IN THE ROLE?

• Receive instructions from the Claims Service Consultant, including appraisal notes and documentation.
• Review documents for completeness, accuracy, and compliance with policy conditions.
• Plan claim assessment routes, schedule appointments, and contact clients accordingly.
• Identify outstanding or additional information required from the client.
• Determine the scope of investigation and whether specialist expertise (e.g., builder, engineer) is needed.
• Assess risk and provide recommendations to the underwriting team.
• Appoint specialist resources where necessary.
• Liaise with external parties such as the police or weather bureau to evaluate claim merit.
• Compare collected information with policy requirements and the details of the submitted claim.
• Establish appropriate replacements and assess associated risks.
• Decide on and negotiate settlement options, including replacement, cash, or claim card.
• Authorize repairs or cash settlements within delegated authority.
• Compile and submit detailed claims reports while maintaining accurate and updated claim files.
• Address and resolve client or broker complaints promptly and fairly.
• Manage relationships with clients, brokers, service providers, and internal stakeholders (e.g., relationship managers, claims committees, underwriters).
• Ensure effective and ongoing communication with all relevant stakeholders throughout the claims process.

QUALIIFICATIONS AND EXPERIENCE

• Matric (Grade 12) with Mathematics
• Short-term Insurance Qualification (NQF Level 4) and completion of the Digital Non-Motor Assessors Skills Programme
• Certified Fraud Examiner (CFE) qualification will be an added advantage
• A minimum of five (5) years’ relevant experience in digital non-motor assessments (full spectrum); field assessing experience will be advantageous

KNOWLEDGE AND SKILLS

• Completion of all relevant product training
• Proficient in using IM external systems
• Proven experience in adjustment processes, assessor reporting tools, and building terminology
• Skilled in repair estimation for building damage, addressing indemnity issues, and working with non-standard roofing (e.g., thatching), floor coverings, Gyproc, and building repair calculators
• Familiar with advanced electronic equipment used in assessments

PERSONAL ATTRIBUTES

• Strong analytical thinking skills
• Proactive in seeking and interpreting information
• Decisive and directive in approach
• Demonstrates initiative and self-motivation
• Adaptable and flexible in dynamic environments