JOB DESCRIPTION


The purpose of this position is to determine the quantum and merit of segmented non-motor claims by performing investigations, verifying the description of the event with the loss, negotiating with (client, intermediary and service providers) and settlement of claims within a delegated threshold and according to contract conditions. Build and Maintain Broker Relations


PRINCIPAL ACCOUNTABILITIES


Receive instruction from scheduler on appraisal notes and documents Review and confirm completion and accuracy of documents, policy and conditions, that pertain to the claim.
Plan routes for claims, make arrangements and contact clients. 
Identify what is required and outstanding from client
Review merit and plans  for  what  needs  to  be  investigated  and  whether specialist expertise are required e.g. a builder or engineer etc.
Visit the client and validate the loss. 
Interact with the client and do a physical inspection of inventories. Complete Value at Risk and Inventory with the Client 
A Appoint specialist resources if required
Assess risk to provide recommendations to underwriting
Interaction with the SAPS, weather bureau etc. to assess merit
Compare info collected to the policy requirements and claim details presented
Item identification (value and proof of ownership)
Determine equivalent replacement value by contacting suppliers and getting input from experts/moderators
Decide and negotiate on replacement, cash or claims card
Authorise repairs or cash settlement
Write claims report; authorise settlement, details of claim, findings, circumstances, merit, quantum or risk recommendations
Update the Claim File and associated documents to the Central Filing System with Santam (DPC)
Handle complaints, queries and interaction with clients, intermediaries, service providers, internal stakeholders relationship managers, claims committee and options from underwriters
Responsible for all policy sections, including damage to buildings e.g. ceiling and carpets, pertaining to personal lines
Responsible for all policy sections of an agricultural nature (excluding motor, BI, internal and external risk and liability)
Authority to appoint field experts e.g. builder or electronics specialist
Required to moderate claims i.e building, electronic items and jeweller, between the value of R35, 000 and R150, 000 for current segmentation rules


QUALIFICATIONS AND EXPERIENCE


Matric
Completed short-term insurance qualification (NQF4) 
3 to 5 years of Non Motor field experience 


SKILLS


All relevant product training completed
Familiar with IM external systems
Must have experience in adjusting process, assessor reporting tools, building terminology, repair estimation on building damage, indemnity issues, non-standard roofing e.g. thatching, floor coverings, gyproc, building repair calculator and advanced electronic equipment
Ability to do investigations on buildings, contents and Agriculture.
Ability to Effectively Communicate and Good Rapport Building abilities.