Allegany Co-op Insurance Company is the emblem of stability, security, and integrity and has been serving the Property & Casualty insurance needs of our policyholders since 1887. The Company has proudly received an "A-" rating from A.M. Best. As part of Allegany Insurance Group, Allegany Co-op Insurance is affiliated with United Frontier Mutual Insurance Company in Lockport, NY and Conemaugh Valley Mutual Insurance Company in Johnstown, PA. Job Summary Responsible for managing, investigating, and adjusting claims in accordance with applicable regulations established by the New York State Unfair Claims Practice Act, the Pennsylvania Unfair Claims Settlement Practices Act, other state and statutory guidelines, and any and all procedures adopted by the Company in accordance with various policy provisions. Be familiar with and interpret policy coverages, investigate claims, negotiate settlements, and manage litigation where necessary. This role includes visits to property claim locations when warranted to inspect and investigate. Also responsible for working directly with the Property Claims Manager and Director of Claims to develop improving and consistent workflows for the handling of property claims Essential Job Functions 1. Review all claims assigned and determine if coverage for stated damage exists within the policy. Determine appropriate approach necessary to investigate the property claim. A strong knowledge base of all applicable forms, and how they interact is essential. 2. Provide accurate and complete coverage interpretations for both claims staff as well as underwriting and agency personnel as needed. Review coverage questions and decisions made by others for quality and accuracy. 3. Write and review claim letters and denials involving losses with no or partial coverage for accuracy, grammar, and presentation. 4. Ability to understand and manage all functions of the claims process including payments, SOPs, reports to Leadership and other internal reporting processes. 5. Initiate contact with insured, inform insured of the claims process and obtain any additional information necessary to proceed with processing the property claim. Prepare and send requests for appropriate records. Record data in individual property claim files. 6. When necessary, participate in site inspection, obtain photos, conduct any interviews necessary of insured, witnesses and attorneys. When necessary, conduct internet searches, obtain information and analyze same. Maintain an appropriate and timely dialogue with individuals involved in the property claim. In specific circumstances, appear on site for large exposure property claims to ensure the best claims outcome. 7. Secure experts when necessary (Forensic Engineers, Independent Adjusters, Physicians, etc.) and monitor file for reports obtained. Prepare and forward materials as required. 8. Conduct file reviews with the Claims Manager/Director, Attorneys, Underwriters and other Management. 9. To consistently demonstrate the principles of partnership and service in all interactions with Allegany's insureds, agents, and third party claimants to ensure trust and openness in all dealings. Non-Essential Job Functions Provide Underwriting with risk reports when appropriate. Submit necessary information to ISO. Provide support to other co-workers as needed. Attend scheduled appointments that may require travel. Attend educational programs and company sponsored events. Lead special projects and/or assignments designated by the Property Claims Manager and/or the Director of Claims Have an understanding of our reinsurance program and its reporting. Perform other duties as assigned or required. Job Qualifications Able to work independently or with minimal supervision. Advanced knowledge of property insurance. Possess strong written and verbal communication skills, including negotiation. Must be able to interact with multiple personality types. Possess high-level of reading comprehension skills. Must be organized, detail oriented and able to meet deadlines. Ability to provide guidance to others regarding the entire property claims process. Physical Requirements Prolonged periods of sitting at a desk and working on a computer. Must be able to lift up to 15 pounds at times. Be able to travel for business purposes based on Company need Knowledge High school diploma required. Associates or Bachelor's degree preferred. Must possess current knowledge of legal terminology as well as an awareness of legal procedures. Basic knowledge of the insurance industry. Insurance designation such as

INS, AIC, CPCU

either completed or in process preferred. Be willing to continue education in relevant matters that complement the role.

Job Type:

Full-time Pay:

$52,900.00 - $79,100.00 per year

Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Parental leave Professional development assistance Vision insurance

Compensation Package:

Profit sharing Yearly bonus Yearly pay

Work Location:

Hybrid remote in Lockport, NY 14094