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Commercial Material Damage Claims Rep 

Location Ohio - Cleveland  
Category Claims  

Basic Function - Independently investigates the facts of loss, determines and verifies coverage and liability, evaluates settlement value and settlement options and negotiates material damage claims within authority granted.

Claims involved occasionally require independent analysis and  research to resolve coverage, liability, damage and/or settlement issues.

Responsible for maintaining and growing a relationship between National General Insurance and current policyholders.  Also responsible for focusing on the needs of loss participants.  Identifies customer needs and works to meet those needs using appropriate customer service skills.


Duties and Responsibilities - For all duties and responsibilities, incumbent will take ownership of any issue, problem, or error that could potentially impact the policyholder and/or loss participant.

1. Develop a basic understanding and knowledge of state laws and regulations applicable to claims handled, including state unfair claim practice laws, and exhibit the basic ability to independently interpret these laws and regulations as it relates to handling of material damage claims.

2. Receives initial material damage claim assignments, investigates and confirms coverage, and documents basis for granting of coverage. Supervisor may be involved with review of claims to ensure they are commensurate with ability.  10%

3..Establishes liability investigative plan; initiates investigation by gathering facts and evidence with all witnesses and interested parties; completes appropriate reports; takes recorded statements when necessary and analyzes extent of property damage.  Reviews loss reserves and adjusts or opens hidden exposures as necessary.  25%

4. Gather, analyze and evaluate, for settlement purposes, all supportive material damage documentation and adjusts material damage claims within limit of authority granted. Summarizes and recommends plan of action on material damage claims in excess of authority and submits to manager for approval.  15%

5. Must understand National General Insurance Claim Handling Guidelines and exhibit the ability to independently interpret and apply these guidelines to all claims handle

6. Independently resolves coverage, liability and damage issues, establishes settlement value and negotiates claim to conclusion on all  claims within authority granted.

For claims with value exceeding authority granted, incumbent will recommend a plan of action for resolution of the claim to manager for approval. 15%

7. Makes appropriate contacts to discuss a settlement; extends an offer to appropriate party; documents all file activity and payment/settlement information in file  outlining basis for settlement and obtains all necessary settlement documents to conclude claim. 20%

8. Determines if potential subrogation or fraud issues exist and refers to appropriate claim Unit for handling, with recommendation on plan of action, or may independently determine to handle issues to conclusion.  5%

9.  May handle more complex files with appropriate supervision to develop skills.  5%

10.  Performs other projects and assignments as agreed upon with appropriate level of management.  5%

Position Requirements

Technical Competencies - Incumbent must exhibit all technical competencies required of a Material Damage Claim Representative.

Successful completion of adjuster trainee program for internal employees and external candidates.

Demonstrates the capability of consistently handling claims within authority granted with limited to no supervision.  For claims with value exceeding authority granted, incumbent demonstrate ability to recommend a plan of action for resolution of the claim to manager for approval.

Obtains/Maintains appropriate licensing or education requirements. Has a solid command of the claims policies and procedures; exhibits basic interpretation of policies & procedures in resolving claims.  May still need some assistance from manager.

Demonstrates the ability to  independently  interpret and apply coverage accurately to establish claim and determine an action plan.  Often requires assistance on more complex files but is expected to recommend plan of action, to resolve coverage issue to appropriate file supervisor.

Demonstrates general understanding and interpretation of vehicle repair estimates.   Ability to scope and develop estimates for minor non-vehicle claims.

Prefer successful completion of one or more of the following:

AEI’s Legal Principals or completion of the Associate in Claims designation (AIC 33, 34, 35, 36)


Additional  Competencies – Demonstrates a thorough and consistent pattern of understanding and demonstrating our GMAC Insurance Point of Difference.

Requires a higher degree of initiative, independent  judgment, and discretion as compared to trainee.  Ability to resolve conflicts and empathize with customers is critical.  Negotiation skills are important for resolving claims.

Demonstrates professional oral and written communication skills.  Organization, customer service and time management skills are critical for this position.

Demonstrates an understanding of insurance law as it relates to claims.  Demonstrates the ability to find answers to more complex issues with insurance law. Begins to understand handling claims in litigation.

Demonstrates a general understanding of the insurance industry and organizational relationships of the company.  Also, demonstrates an understanding of the functions of other departments, such as Policy Ops and Marketing.

Begins to develop effective leadership skills.


Experience handling Specialty and/or Commercial Claims would be preferred.


About the Organization National General Insurance is one of the largest automobile insurers in the United States. National General Insurance offers a variety of property and casualty products, including personal auto, RV, motorcycle, commercial auto and homeowners insurance. With a nationwide network of claims professionals, local independent agents and a 24-hour, toll-free claims hotline available 365 days a year, National General Insurance provides superior claims service for its customers.

National General is a fast paced, dynamic, and entrepreneurial organization. Our team members live by and exemplify what we call the 4Es. At National General, we are Energized, Engaged, Empowered, and we Execute every day in order to provide an exceptional experience for our customers! We are passionate about our organization and the value that we add every day. A successful candidate with National General will embody the 4Es. Our team is poised to outperform the competition. We are National General Insurance and with us you can be extraordinary! Come join our team!

In addition to a phenomenal career opportunity, National General Insurance offers an excellent benefits package including:

• Paid Training
• Medical, Dental, Vision benefits
• Wellness Programs
• Life and Short/Long Term Disability Insurance
• 401k w/ Company Match
• Company Paid Holidays
• Generous Time-off policy
• Employee Discount Program
• Career Advancement and Development opportunities
• On-site Healthcare Clinic (Winston-Salem and Cleveland offices)
• On-site Fitness Center (Cleveland office)
• Subsidized parking (Cleveland office)

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.  
Req Number CLA-14-00024  
Full-Time/Part-Time Full-Time  
Exempt/Non-Exempt Exempt  

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