Senior Claims Assessor for Commercial Properties

About the Role

Our client, a leading name in the insurance sector, is seeking a highly experienced and diligent Senior Claims Assessor to join their dynamic team in Durban, KwaZulu-Natal . This pivotal role involves managing complex commercial property claims from initial assessment through to settlement. The ideal candidate will possess a deep understanding of property insurance policies, damage assessment methodologies, and the legal framework surrounding claims. This is an exciting opportunity to contribute to a reputable organisation, leveraging your expertise to ensure fair and timely resolution of claims. You will play a crucial part in upholding our client's commitment to customer satisfaction and operational excellence. The role demands a proactive approach to investigation, negotiation, and resolution, ensuring all parties are treated with fairness and integrity.

Key Responsibilities

• Conduct thorough investigations and assessments of complex commercial property damage claims.
• Interpret policy wordings to determine coverage and liability.
• Appoint and manage external loss adjusters, assessors, and other service providers as required.
• Negotiate settlement amounts with policyholders and their representatives.
• Prepare detailed reports on claim assessments, findings, and recommendations for management.
• Ensure compliance with regulatory requirements and internal claims handling procedures.
• Maintain accurate and up-to-date claim files and documentation on the company's system.
• Provide guidance and mentorship to junior claims assessors within the team.
• Liaise effectively with internal departments, legal counsel, and external stakeholders.
• Continuously seek opportunities to improve claims handling processes and efficiency.

Requirements

• A relevant tertiary qualification in Risk Management, Law, Engineering, or a related field.
• A minimum of 5-7 years of demonstrable experience in handling complex commercial property insurance claims.
• In-depth knowledge of insurance principles, property valuation, and construction methods.
• Proven ability to interpret and apply complex insurance policy wordings.
• Excellent negotiation, communication, and interpersonal skills.
• Strong analytical and problem-solving capabilities.
• Proficiency in claims management software and standard office applications.
• Ability to work independently and as part of a collaborative team.
• A valid driver's license and willingness to travel occasionally within the Durban region for site inspections.
• High level of integrity and ethical conduct.

Benefits

• Our client offers a competitive remuneration package commensurate with experience, including a performance-based bonus structure.
• Employees benefit from comprehensive medical aid and provident fund contributions.
• Opportunities for professional development and continuous learning are actively supported.
• Access to cutting-edge claims management technology enhances efficiency and job satisfaction.
• A supportive and collaborative work environment fosters career growth.
• Potential for hybrid work arrangements after an initial probationary period, offering a blend of in-office and remote work flexibility.
• Further benefits include life insurance, disability cover, and employee wellness programs designed to promote a healthy work-life balance.