Senior Insurance Claims Adjuster - Remote

About the Role

Our client, a leading provider in the insurance sector, is seeking a highly motivated and experienced Senior Insurance Claims Adjuster to join their dynamic and fully remote team. This is an exceptional opportunity to contribute to a company that values innovation, customer satisfaction, and employee growth. As a fully remote-first organization, we are committed to providing our team members with the flexibility and resources they need to succeed from anywhere within South Africa. You will play a crucial role in managing complex claims, ensuring fair and efficient resolution for our policyholders, and upholding the integrity of our claims process. Your expertise will be vital in assessing damages, negotiating settlements, and providing clear, empathetic communication to clients during what can be a stressful time.

We are looking for a proactive individual who can work independently and as part of a collaborative virtual team. This position is based in Pietermaritzburg, KwaZulu-Natal, ZA, but the role is entirely remote, allowing you to work from the comfort of your home office.

Key Responsibilities

• Investigate, evaluate, and settle insurance claims in accordance with policy provisions and company guidelines.
• Conduct thorough investigations, which may include reviewing police reports, interviewing witnesses, and inspecting damaged property.
• Determine coverage, liabilities, and claim values based on evidence and policy terms.
• Negotiate settlements with claimants, policyholders, and legal representatives to achieve fair and equitable resolutions.
• Maintain accurate and detailed claim files, documenting all activities, communications, and decisions.
• Communicate effectively and empathetically with all parties involved in the claims process.
• Identify potential fraud and elevate suspicious claims for further investigation.
• Stay updated on industry regulations, best practices, and changes in insurance law.
• Collaborate with internal teams, such as legal and underwriting, to resolve complex claims.
• Provide exceptional customer service, ensuring a positive claims experience for policyholders.

Requirements

• A minimum of 5 years of experience in insurance claims adjusting, with a focus on complex claims.
• Proven track record of successfully managing and resolving a high volume of claims independently.
• Strong understanding of insurance policies, legal principles, and claims investigation techniques.
• Excellent negotiation, communication, and interpersonal skills.
• Proficiency in claims management software and standard office applications.
• Ability to work autonomously in a remote environment, demonstrating strong time management and organizational skills.
• A relevant tertiary qualification in Risk Management, Law, or a related field is preferred.
• Experience with various insurance lines (e.g., Personal Lines, Commercial Lines) is advantageous.
• Must possess a valid driver's license and have access to a reliable vehicle for potential site inspections (though the role is remote, occasional travel may be required in specific circumstances).
• Commitment to ethical conduct and professional integrity.

Benefits

• Competitive salary package commensurate with experience.
• Comprehensive health, dental, and vision insurance.
• Generous paid time off and sick leave policy.
• Retirement savings plan with company matching contributions.
• Opportunities for professional development and continued education.
• A supportive and collaborative remote work environment.
• Access to cutting-edge technology and tools to enhance your remote work experience.
• Employee assistance program for mental and emotional well-being.
• Performance-based bonuses and incentives.