Non Motor Field Assessor at Santam Insurance

Job description

Position Details

Santam is the market leader in the general insurance industry in Southern Africa. We are a large, diversified, expanding and transforming company and whilst based in South Africa, we are rapidly moving into a number of emerging markets, both in Africa and Asia. Our success is rooted in our passion for our clients and everything we do is centred on our delivery of Insurance Good and Proper. We’re about people. People drive our business so it follows that we want to recruit the best people possible whether they work for us permanently or for a short time as temporary employees. Are you keen to join Santam's team of high performers. View available vacancies and apply online. All appointments will be made in line with the Santam Employment Equity strategy. People with disabilities are welcome to apply.

Position Description

A position has become available for a Non Motor Field Assessor in the Non Motor Claims department. The successful incumbent will be placed in Durban (Kwazulu Natal). 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.

Key Responsibilities

• Receive instruction from Claims Service Consultant on appraisal notes and documents.
• Review and confirm completion and accuracy of documents, policy and conditions.
• 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 if there is a need to investigate circumstances of the claim.
• Interact with the client and do a physical inspection of inventories (determining value and value at risk).
• Appoint specialist resources if required.
• Assess risk to provide recommendations to underwriting.
• Appoint specialist resources if required.
• Interaction with the SAPS, weather bureau etc. to assess merit.
• Compare information 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.
• Determine value at risk.
• 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 central claims file.
• 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).
• Dependent risk score.
• Authority to appoint field experts e.g. builder or electronics specialist.

Minimum Requirements

• Qualifications And Experience
• Matric (Grade 12)
• Short-term insurance qualification (NQF4) plus completed Digital Non-motor Assessors Skills Programme
• Five (5) years’ or more relevant experience at digital non-motor level (full spectrumm)
• OR Seven (7) or more years’ relevant claims assessment experience (non-motor) (full spectrum)

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, its contents and fire.
• Competencies
• Analytical thinking
• Information seeking
• Directiveness
• Initiative
• Flexibility
• Customer Service Orientation