Fire & Home Insurance Claims

Claims Handling:

• Manage end-to-end claims processes for home insurance policies, covering both structure and/or

contents.

• Ensure accurate and thorough evaluation of claims documentation for compliance with policy terms

and conditions.

• Manage end-to-end claims processes for home insurance policies, covering both structure and/or

contents. Assess and validate claims arising from any of the following insured events:

• Fire
• Explosion or Implosion
• Lightning
• Earthquake, volcanic eruption, or other convulsions of nature
• Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood, and

Inundation

• Subsidence of land, Landslides, or Rockslides
• Bush fire, Forest fire, Jungle fire
• Impact damage caused by external objects (e.g., vehicles, falling trees, aircraft, walls,

etc.)

• Missile testing operations
• Riots, Strikes, Malicious Damages
• Acts of terrorism (as per the Terrorism Clause)
• Bursting or overflowing of water tanks, apparatus, and pipes
• Leakage from automatic sprinkler installations
• Theft

Customer Interaction:

• Act as a primary point of contact for customers, providing clear guidance and support throughout the

claims process.

• Communicate policy coverage details, exclusions, and settlement outcomes professionally and

empathetically.

Claims Assessment and Investigation:

• Collaborate with surveyors, loss assessors, and other relevant stakeholders to verify claims and assess

damage.

• Conduct detailed evaluations of claim eligibility and recommend settlement amounts based on policy

guidelines.

Regulatory Compliance:

• Maintain accurate and detailed claims records, ensuring compliance with internal policies, regulatory

requirements, and KYC norms.

• Stay updated on regulatory guidelines related to home insurance and P&C claims handling.
• Fraud Detection:

Identify potential fraudulent claims and escalate them to the appropriate teams for further investigation.

Team Collaboration:

• Work closely with underwriters, surveyors, and other internal teams to facilitate efficient claim

settlements.

• Provide insights and feedback based on observed claim trends and customer feedback, which helps

Underwriters and the product development team for better product & benefit planning.

Key Competencies:

• Empathy and professionalism in customer interactions.
• Ability to handle multiple claims efficiently while maintaining accuracy.
• Collaborative mindset with the ability to work across teams and departments.
• A proactive approach to identifying and resolving claims-related challenges

This role offers an opportunity to leverage your expertise in P&C insurance and home insurance claims

management while delivering a superior customer experience.

Expertise and Qualifications

• Any Bachelors degree, preferably in Finance, Business, insurance, or a related field.
• Minimum 3-5 years of experience in insurance claims handling, with a preference for expertise in Property

and Casualty (P&C) insurance.

• Comprehensive knowledge of home insurance products, insured event coverages, and exclusions.
• Strong analytical skills and attention to detail for claims assessment and validation.
• Excellent customer service and communication skills.
• Proficiency in claims management systems and related tools.
• Familiarity with regulatory compliance, fraud prevention, and KYC processes.

Share your resume to vineela.reddy@vidpro.in