Conducts a prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin, and extent of loss. Reviews and utilizes financial statements to adjust moderately sized business interruption losses. Conduct on-site appraisal or direct independent adjuster to determine facts relevant causation, damages and exposure. Engages and manages consultants and independent adjusters as required. Monitors the costs to ensure they are reasonable and necessary. Establishes and maintains accurate loss cost estimates and reserves for each claim for reporting, financial records, and other purposes. Keeps the Insured and others informed about the claim's status with clear, timely and accurate written/oral communications. Effectively communicates in writing on moderately complex coverage issues with minimal review and coaching. Determines depreciation of claim. Affirms or denies coverage of the claim based on the facts and the policy terms and conditions. Develops information necessary to make advance, partial and final payments when appropriate. Meet time requirements of the policy and fair claims handling practices. Effectively negotiate settlement of claims of varying complexity and perils. Achieves a prompt, fair and equitable settlement of a claim, where there is policy liability. Keeps the electronic claim file properly documented with accurate, clear and timely information and reports that reflect the adjustment activities and substantiate any payments made. May participate in quality assurance file review sessions and serve as a technical resource for less experienced claims personnel. Will be called upon for catastrophe duty. Knowledge of property insurance; commercial property claims; coverage evaluation; claims investigation, loss assessment, evaluation and reserves; financial analyses; insurance regulations. Negotiation and settlement of moderate to high complexity claims. Other skills required include a focus on customers; decision making; results oriented; spoken communication; and adaptability. An ability to build relationships, listen (i.e., comprehend nuances and acknowledge others' viewpoints), mentoring and training less experienced team members, write business correspondence, produce accurate work, manage projects and vendors. Use core applications/spreadsheets. As normally acquired through a bachelor's degree or equivalent; successful completion of required internal training programs and AIC (Associate in Claims) modules 33 and 35. Prefer designations such as AIC, SCLA, CPCU, etc, and at least 2-3 year of progressively responsible experience. Ability and willingness to travel to the site of catastrophe for assignments that may last several weeks.