Recovery Representative – Claims Subrogation

biBerk Business Insurance

. Review first-party claims including Physical Damage, Cargo, PIP, and Property claims for subrogation potential .

Posted 10/27/2026full-timeRemote • United StatesJunior💰 $75,000 - $85,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in claims review and subrogation processes, including liability analysis and negotiation. Proficient in utilizing claims systems and maintaining compliance with legal and company guidelines.

Highest-signal resume keywords

Claims ReviewSubrogation InvestigationLiability AnalysisNegotiation SkillsExcellent Written And Verbal Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Basic MathClaim Investigation PracticesLiability And Subrogation Claim HandlingProblem AnalysisDetail Orientation

Soft Skills

Self-MotivatedAbility To Work IndependentlyAbility To Maintain ConfidentialityPositive And Professional DemeanorAbility To Work Well With Others

Tools & Technologies

IISApolloDuck Creek Claims Systems

Certifications & Qualifications

Bachelor's DegreeIIAAIC

Industry Keywords

SubrogationInsurance PoliciesLegal PrinciplesContractsBusiness Law

Tech Stack

Tools & technologies

Apollo

About the role

Key responsibilities & impact

Review first-party claims including Physical Damage, Cargo, PIP, and Property claims for subrogation potential
Analyze loss facts, probable liability, required investigation, and recoverable damages
Assign independent adjusters and experts and coordinate subrogation investigations
Identify and pursue recovery from responsible parties and/or their insurers
Review questionable proposed settlements with the Recovery Unit Team Lead
Contact responsible parties and insurers after submitting company payment demands
Assign and coordinate with subrogation attorneys when disputes arise or enforcement is needed
Review invoices for compliance with company agreements and guidelines
Pursue uninsured motorists for subrogation and coordinate with motor vehicle and legal authorities when appropriate
Maintain diary systems for prompt follow-up, required actions, and maximum collection
Maintain claim files using IIS, Apollo, and Duck Creek claims systems
Determine and diary statutes of limitations on recovery files
Review trade journals, case law, state statutes, and insurance policies to stay current on legal and coverage changes
Retain and manage outside vendors and experts as warranted
Verify liability deductibles, initiate formal demands, track recovery amounts, and enter recoveries in claim files
Respond to written and telephonic inquiries and resolve deductible collection disputes
Follow up with policyholders to ensure payments are made
Evaluate recovery attempts and recommend write-offs or collection agency referrals when appropriate
Advise Underwriting when deductible collection attempts are unsuccessful
Coordinate with referring examiners and claims representatives on deductible and workers compensation subrogation strategies
Generate deductible invoices, review payments, calculate reimbursements, and issue deductible reimbursement checks

Requirements

What you’ll need

Bachelor’s Degree
1 to 2 years of related work experience
Basic math
Basic literacy in computer knowledge and use
Preferred: claim investigation practices
Preferred: insurance courses such as IIA or AIC in coverage, subrogation, legal principles, legal terminology, contracts, and business law
Preferred: 1–2 years’ experience in liability and/or subrogation claim handling
Investigation skills
Liability analysis
Negotiation skills
Excellent written and verbal communication
Ability to analyze problems, apply knowledge and logic, and draw appropriate conclusions
Ability to work well with others, especially in confrontational situations
Self-motivated and able to work independently while meeting assigned deadlines
Ability to maintain strict confidentiality
Ability to work with detail and accuracy
Ability to maintain a positive and professional demeanor when interacting with internal and external customers

Benefits

Comp & perks

Medical (PPO/HDHP), vision, disability, and life insurance
Enhanced dental plan with orthodontia coverage in addition to a standard plan
Generous PTO plan for all benefit-time eligible employees
Paid company holidays and 4 floating holidays
Paid parental leave
Employee Retirement Savings Plan/401(k) with company match and immediate vesting
Education Assistance Program offering 100% upfront tuition reimbursement after 6 months of service for approved degree programs
Service Recognition Program providing a monetary award toward a vacation every 5 years of employment
Wellness Initiatives including Fitness Center and Weight Watchers Reimbursement programs
Voluntary accident, critical illness, and hospital indemnity benefits
Employee discount and rewards program on travel, tickets, electronics, home, and more