Job opportunity
Adjuster Level 1, Auto Physical Damage Claims
Heartland Mutual Insurance Company
The Adjuster Level I, Claims, is an entry-level adjusting role supporting both Auto Physical Damage and Accident Benefits claims. The role is designed to build technical expertise while providing critical operational support across the Claims Department. The Adjuster Level I will manage low-complexity claims independently and assist on more complex claims under supervision. This includes handling minor auto losses, MIG-level AB claims, and departmental administrative functions as directed by the Senior Claims Assistant. The position also includes a small portion of stretch files (5-10%) to help the adjuster grow into more advanced roles.
Job Specific Accountabilities - Key Responsibility Areas (KRA’s)
What you will do...
Claims Handling – Auto Physical Damage:
Independently manage low-complexity physical damage claims including vandalism, hail, driveable, and non-driveable auto losses.
Review damage photos, appraisals, and repair documentation; determine liability and coverage based on provided information.
Coordinate with appraisers, vendors, and customers to ensure timely claim resolution.
Claims Handling – Accident Benefits (AB):
Handle Minor Injury Guideline (MIG) claims under the AB framework.
Conduct call-outs for more complex AB files to collect statements, confirm injury details, and assess treatment needs.
Maintain compliance with regulatory timelines and documentation requirements for AB claims.
Administrative & Departmental Support:
Provide administrative assistance as required, including document transposition, system updates, vendor follow-ups, and file organization.
Support the Senior Claims Assistant in executing tasks that improve department workflow and efficiency.
Customer and Broker Communication:
Respond professionally to inquiries from claimants, brokers, Agents, and Direct Sales Center staff.
Provide timely updates and explain coverage, claims processes, and next steps in clear and empathetic terms.
Training and Development:
Participate in ongoing technical training to build foundational skills in both auto and AB claims.
Work with Senior Adjusters and Team Leads to gain exposure to more complex claim types.
Actively handle 5-10% of assigned files as stretch claims to support career development.
CAT Readiness and Regulatory Compliance:
Assist during surge periods or catastrophes with triage tasks and low-complexity claim intake.
Ensure adherence to internal handling guidelines, industry regulations, and privacy standards.
What you will bring...
Education & Experience:
1-2 years of insurance experience preferred; co-op or internship experience will be considered.
Post-secondary education in Insurance, Business, or a related field; CIP coursework in progress is an asset.
Technical Skills & Knowledge:
Basic understanding of auto damage, injury claim fundamentals, and policy interpretation.
Proficiency in Microsoft Office and claims management systems.
Competencies:
Strong attention to detail and a willingness to learn.
Excellent time management, prioritization, and communication skills.
Adaptability and collaboration in a fast-paced team environment.
Customer-service orientation with a professional and empathetic demeanor.
The salary range for this role is $50,000 - $66,000. The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations.
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Apply on source site Job Specific Accountabilities - Key Responsibility Areas (KRA’s)
What you will do...
Claims Handling – Auto Physical Damage:
Independently manage low-complexity physical damage claims including vandalism, hail, driveable, and non-driveable auto losses.
Review damage photos, appraisals, and repair documentation; determine liability and coverage based on provided information.
Coordinate with appraisers, vendors, and customers to ensure timely claim resolution.
Claims Handling – Accident Benefits (AB):
Handle Minor Injury Guideline (MIG) claims under the AB framework.
Conduct call-outs for more complex AB files to collect statements, confirm injury details, and assess treatment needs.
Maintain compliance with regulatory timelines and documentation requirements for AB claims.
Administrative & Departmental Support:
Provide administrative assistance as required, including document transposition, system updates, vendor follow-ups, and file organization.
Support the Senior Claims Assistant in executing tasks that improve department workflow and efficiency.
Customer and Broker Communication:
Respond professionally to inquiries from claimants, brokers, Agents, and Direct Sales Center staff.
Provide timely updates and explain coverage, claims processes, and next steps in clear and empathetic terms.
Training and Development:
Participate in ongoing technical training to build foundational skills in both auto and AB claims.
Work with Senior Adjusters and Team Leads to gain exposure to more complex claim types.
Actively handle 5-10% of assigned files as stretch claims to support career development.
CAT Readiness and Regulatory Compliance:
Assist during surge periods or catastrophes with triage tasks and low-complexity claim intake.
Ensure adherence to internal handling guidelines, industry regulations, and privacy standards.
What you will bring...
Education & Experience:
1-2 years of insurance experience preferred; co-op or internship experience will be considered.
Post-secondary education in Insurance, Business, or a related field; CIP coursework in progress is an asset.
Technical Skills & Knowledge:
Basic understanding of auto damage, injury claim fundamentals, and policy interpretation.
Proficiency in Microsoft Office and claims management systems.
Competencies:
Strong attention to detail and a willingness to learn.
Excellent time management, prioritization, and communication skills.
Adaptability and collaboration in a fast-paced team environment.
Customer-service orientation with a professional and empathetic demeanor.
The salary range for this role is $50,000 - $66,000. The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations.
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