Claims Appraiser

Claims / Indemnisation Toronto, Ontario

Poste chez Northbridge Financial Corporation

“The Power of Together”

Join Northbridge, a growing dynamic company that has a long and rich Canadian history in providing innovative insurance solutions to customers nationwide.

Northbridge Financial Corporation is a leading commercial property and casualty insurance company that’s been helping protect Canadian businesses for more than 90 years. We’re 100% Canadian!

We offer a wide range of creative solutions to our customers through our Northbridge Insurance, TruShield Insurance and Federated Insurance brands where we strive to create a fair and friendly culture, upheld by the foundation of our five corporate values: respect, passion, connectedness, creativity, and excellence.

By continually striving to challenge the status quo, and by focusing on helping the customers we have the privilege of insuring achieve the possibilities of their business, we’ve been able to build our reputation as one of Canada’s largest commercial insurance providers.

To help us continue to build on this success, we’re committed to attracting, developing and retaining the best people.

Be part of a team that’s passionate about making a difference every day, fueled by our entrepreneurial spirit and where everyone owns a part of our success. Our company has had an amazing journey so far, and our future is full of new possibilities!

Located in the heart of Toronto’s Financial District, our head office is easily accessible by TTC and GO Transit, and within walking distance to the Eaton Centre, Scotiabank Arena, Rogers Centre, and CN Tower. As a national property and casualty commercial insurance provider, we also have offices across Canada.

Position Summary 

The Claims Appraiser is responsible for reviewing and estimating the value of routine physical damage claims in an efficient and timely manner in order to arrive at an equitable settlement figure which is acceptable to all parties involved.

What you will be doing:

  • Investigate, evaluate, and appraise physical damages losses in an accurate and timely manner, and in accordance with corporate guidelines.
    • Review images and estimates on physical damage claims in order to arrive at a monetary value for the damage and repair cost.
    • Contact repair facilities to confirm agreed-upon repair costs, and to ensure that charges quoted are not excessive or unreasonable.
    • Estimate the time necessary to repair damage.
    • CAT duty and create Photo Based estimates
    • Identify potential recovery situations and refer to Manager.
    • Arrange for removal of salvage for Claimants.
  • Contact repair facilities to confirm agreed-upon repair costs, and to ensure that charges quoted are not excessive or unreasonable.
  • Communicate with repair facilities, estimators and adjusters as required to ensure accuracy and completeness of estimates and identify claims where re-inspections may be required.
  • Identify total loss situations and determine actual cash value using both current market comparables, dealer quotes and Mitchell valuations, including salvage values and repair vs replace comparisons.
  • Recognize and assist adjuster in the preparation of coverage questions, fraud investigations, and large loss referrals.
  • Provide reports that are clear, concise, and comprehensive (to be used in the further processing of claims and record keeping).
  • Refer claims to adjuster and/or Manager when the actual damages do not agree with the loss report, or when the reported losses are suspicious in nature.
  • Inspect and escalate claims when an agreement cannot be reached with an insured, claimant, and/or repair shop.
  • Contact service/salvage yards and parts outlets to facilitate the appraisal process, and to keep abreast of market fluctuations in prices and labour.
  • Monitor repair and service shops and identify any concerns with vendors.
  • Work collaboratively with Supervisors and/or Managers on special projects and assignments when required.
  • Other duties as assigned.

What we are looking for:

  • Post-secondary education in a related discipline (i.e. Mechanics) and / or equivalent combination of education and experience.
  • Minimum 5 years of estimating and/or appraisal experience.
  • Working knowledge of the company principles and practices related to claims settlement, policy wordings, insurance contracts, fraud investigations, serious losses and coverage questions.
  • Knowledge on various motor vehicle type construction; expertise in the area of modern repair materials and processes.
    Knowledge of Advanced Driver Assistance Systems, vehicle mechanical repairs and systems.
  • Proficiency with Mitchell Workcentre, Mitchell Connect and Mitchell Ultramate a must, with excellent communications skills both orally and written. Strong understanding of automobile insurance contract law with respect to automobile repairs
  • Ability to work within and adapt to PC oriented environments, including familiarity with e-mail and Internet skills. Working knowledge of Microsoft Office.
  • Post-Secondary Appraisal Certification, and I-Car qualified; actively pursuing I-Car Platinum or CIP/FCIP designation an asset
  • Fluently bilingual (English / French) is a definite asset (a requirement in Eastern Region).

What sets you apart:.

  • Strong investigation and analytical skills.
  • Excellent problem-solving and decision-making skills.
  • Detail oriented.
  • Strong organizational and time-management skills.
  • Ability to manage multiple and changing priorities.
  • Excellent communication skills (both oral and written).
  • Good interpersonal skills.
  • Good negotiation skills.
  • Ability to demonstrate patience and understanding in dealing with customer loss situations.
  • Ability to work independently, and as a member of a team.
  • Demonstrated commitment to ongoing personal and technical development.
  • Customer Service oriented.

What We Have to Offer:

  • Northbridge Cares program – volunteer day and donation matching
  • Generous paid time off, including personal days. Flexible work hours as well as early departure opportunities
  • Flexible Group Benefits Plan – medical, dental, insurances
  • Defined Contribution Pension Plan + Optional Group RRSP
  • Northbridge Employee Share Purchase Plan
  • Education Assistance Program
  • Employee Assistance plan
  • Staff Insurance - discount on home, automobile and pet insurance
  • Plus, the opportunity to contribute to the success of Northbridge through sharing your knowledge and experience while learning from others!

Application Process:

Northbridge welcomes and encourages applications from people with disabilities. Accommodations are available upon request for candidates taking part in all aspects of the selection process. Interested, qualified candidates are encouraged to apply below.

All offers of employment are conditional upon satisfactory background and reference checks, including a criminal record check, credit check, and employment and educational verifications.