Property Claim Representative

Posted 3ds ago

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Job Description

Outside Property Claim Representative handling moderate-complexity property claims for Travelers, a property-casualty insurer. Inspecting losses, evaluating coverage, estimating damages, and negotiating settlements remotely.

Responsibilities:

  • Handle first-party property claims of moderate severity and complexity
  • Investigate, evaluate, estimate, and negotiate personal or business property claims
  • Complete field inspections, including damage scopes, photographs, written estimates, and/or computer-assisted estimates
  • Use innovative technologies and Xactimate-related estimating tools
  • Investigate coverage, damages, liability, business interruption calculations, leases, contracts, by-laws, and other relevant documents
  • Secure recorded or written statements as appropriate
  • Establish timely and accurate claim and expense reserves
  • Determine settlement amounts using estimates, actual cash value, replacement value, contractor estimate validation, appraisals, limits, deductibles, and independent adjuster work product
  • Negotiate settlements with contractors, insureds’ representatives, and other constituents within authority limits
  • Write denial letters, Reservation of Rights letters, and other complex correspondence
  • Maintain claim diaries and document file activities and required data
  • Manage file inventory for timely case resolution and comply with state regulations
  • Provide customer service to insureds, agents, and internal and external business partners
  • Refer claims to Special Investigations, Subrogation, and Major Case Units when appropriate
  • Provide multiline claim-handling assistance for Auto, Workers Compensation, General Liability, and other business areas
  • Mentor and coach less experienced claim professionals as needed
  • Attend depositions, mediations, arbitrations, pre-trials, trials, and other legal proceedings as needed
  • Participate in Travelers’ Catastrophe Response Program, including out-of-state deployments
  • Perform rotational resolution desk technical and follow-up call work
  • Perform administrative functions such as expense accounts and time-off reporting
  • Perform other duties as assigned

Requirements:

  • High School Diploma or GED
  • One year previous outside property claim handling experience or successful completion of Travelers Outside Claim Representative training program
  • Bachelor's Degree
  • Two or more years of previous outside property claim handling experience
  • General knowledge of estimating system Xactimate
  • Advanced interpersonal and customer service skills
  • Advanced organizational and time management skills
  • Intermediate ability to work independently
  • Intermediate judgment, analytical, and decision-making skills
  • Intermediate negotiation skills
  • Intermediate written, verbal, and interpersonal communication skills
  • Intermediate investigative skills
  • Intermediate ability to analyze and determine coverage
  • Intermediate ability to analyze and evaluate damages
  • Intermediate ability to resolve claims within settlement authority
  • Valid passport
  • Valid driver's license
  • Ability to access and inspect all areas of a dwelling or structure
  • Ability to carry, set up, and climb a ladder weighing approximately 38 to 49 pounds
  • Ability to walk on roofs and enter tight spaces, including attic staircases, entries, and crawl spaces
  • Must participate in the Catastrophe Response Program, including deployments away for a minimum of 16 days
  • Must secure and maintain a company credit card
  • Insurance license(s) and/or UAS Remote Pilot Certification may be required; generally required insurance license(s) must be obtained within three months of starting the role
  • Ongoing continuing education requirements for insurance license(s) must be maintained

Benefits:

  • Performance-based cash incentive awards
  • Sign-on bonus
  • Health insurance from the first day of employment for employees and eligible family members
  • Dollar-for-dollar 401(k) matching up to the first 5% of eligible pay, subject to an annual maximum
  • Paying it Forward Savings Program contributions toward a 401(k) for employees with student loan debt
  • Pension Plan 100% funded by Travelers
  • Minimum of 20 days paid time off annually
  • Nine paid company holidays
  • Wellness program with tools, discounts, resources, health coaching, and caregiving support
  • Free professional counseling services and mental health resources
  • Matching Gift and Volunteer Rewards program
  • Company credit card required for the role