If you have been doing the job application process in the best possible way by preparing an outstanding resume and submitting a personalized, impressive cover letter, you have probably scored at least one interview. It is important to put in the work to prepare yourself for the interview, which can be one of the most influential aspects of your selection process from the point of view of the hiring manager. A candidate who has a strong interview is able to show his or her knowledge of the field, as well as to relate to the hiring manager on a personal basis. General interview questions will typically be asked, and there are definitely ways to prepare for those. In addition, there will also be questions asked that are specific to the job you are applying for. Preparing to answer these questions can allow you to make the best impression on a hiring manager. The following claims analyst interview questions and answers are specific to a claims analyst position. Reading over these will help you prepare to knock an interview out of the park.
5 Common Claims Analyst Interview Questions & Answers
1. Your primary task with this job will be to evaluate insurance claims, and a big part of that is going to the scene to determine the validity of a claim. Can you tell us about any similar work you have done in the past?
Working as a real estate broker, part of my job involved going to a property before it was going to be shown and inspecting it to make sure it was ready for a walkthrough. I had to have a fine eye for detail, and if damage had been done by previous owners, I had to go through the proper steps to get compensation from them. In order to be exact with this, I would walk through with a video camera and film every room from corner to corner. This experience led to my not only having a knack for spotting damage, but also getting a good breadth of knowledge as to the different kinds of damage that can happen to a property and what the causes might be.
2. For this example scenario, I want you to talk through what your process would be for evaluating a claim for a water-damaged ceiling in a property.
Assuming the owners had insurance protecting against natural water damage and damage from corroded or out-of-date pipes, I would first find a way to take a look at the damage location. If it is in a place where water from the elements has seeped in, I would have to determine the extent of money needed to be given to make repairs. If the damage is located beneath a pipe, I would have to get a properly qualified professional to look into the pipe and identify if the damage was caused by an old or leaky pipe, or if it was caused by the property owner's misuse. An example of misuse would be if the property owner was flushing things down a toilet that could damage pipes. If the damage was caused by the property owner, I would have to process the claim as invalid.
3. What are your long term career goals in the insurance industry?
I would like to become an expert at evaluating insurance claims so that I could eventually move up to a leadership position. I am passionate about getting people the compensation they deserve while also making sure policyholders aren't trying to cheat their insurance company. I would like to move towards a position directing other claims managers in the next few years.
4. I see you are interested in auto claims. What experience do you have appraising damage to automobiles and cost of repairs?
Since I was a kid, I helped my mom out in her auto repair shop. She knew everything about cars, from different engines to the causes of leaks and malfunctioning parts. When I got old enough to work, I got a job doing repairs in her shop until I graduated high school.
5. What do you think would be the appropriate way to determine a payout for a person who has ruined the car's front fender?
I would determine the cost of parts and repairs, and offer the payout accordingly. The amount could be increased if the accident was not the policyholder's fault. However, if it was her or his fault, then the payout should be kept to a minimum.