Property Claim Representative

This is a fully remote position, open to applicants in Virginia.

📋 Description

• Manage first-party property claims of moderate complexity and severity.

• Investigate, assess, estimate, and negotiate claims related to personal or business property.

• Conduct field inspections, including assessing damage, taking photographs, and creating written or computer-assisted estimates.

• Utilize innovative technologies and estimating tools related to Xactimate.

• Examine coverage, damages, liability, business interruption calculations, leases, contracts, by-laws, and other pertinent documents.

• Obtain recorded or written statements when necessary.

• Set up timely and precise claim and expense reserves.

• Calculate settlement amounts utilizing estimates, actual cash value, replacement cost, contractor estimate validation, appraisals, limits, deductibles, and independent adjuster outputs.

• Negotiate settlements with contractors, representatives of insured parties, and other stakeholders within authorized limits.

• Draft denial letters, Reservation of Rights letters, and other complex correspondence.

• Maintain claim diaries and document file activities along with required data.

• Oversee file inventory to ensure timely resolution of cases and adherence to state regulations.

• Offer customer service to insured clients, agents, and both internal and external business partners.

• Refer claims to Special Investigations, Subrogation, and Major Case Units as necessary.

• Provide multiline claim handling support for Auto, Workers Compensation, General Liability, and other business sectors.

• Mentor and guide less experienced claims professionals as needed.

• Attend depositions, mediations, arbitrations, pre-trials, trials, and other legal proceedings as required.

• Engage in Travelers’ Catastrophe Response Program, including out-of-state deployments.

• Conduct rotational resolution desk technical duties and follow-up call work.

• Carry out administrative tasks such as managing expense accounts and reporting time off.

• Perform other assigned duties.

⛳️ Requirements

• High School Diploma or GED.

• One year of previous experience in handling outside property claims or successful completion of the Travelers Outside Claim Representative training program.

• Bachelor's Degree.

• Two or more years of experience in outside property claim handling.

• General knowledge of the estimating system Xactimate.

• Advanced interpersonal and customer service capabilities.

• Advanced organizational and time management skills.

• Intermediate ability to work independently.

• Intermediate judgment, analytical, and decision-making abilities.

• Intermediate negotiation skills.

• Intermediate written, verbal, and interpersonal communication skills.

• Intermediate investigative skills.

• Intermediate capacity to analyze and determine coverage.

• Intermediate ability to analyze and evaluate damages.

• Intermediate ability to resolve claims within the scope of settlement authority.

• Valid passport.

• Valid driver's license.

• Capability to access and inspect all areas of a dwelling or structure.

• Ability to carry, set up, and climb a ladder weighing between 38 to 49 pounds.

• Ability to walk on roofs and navigate tight spaces, including attic staircases, entries, and crawl spaces.

• Must participate in the Catastrophe Response Program, including deployments lasting a minimum of 16 days.

• Must obtain and maintain a company credit card.

• Insurance license(s) and/or UAS Remote Pilot Certification may be necessary; required insurance license(s) must be secured within three months of starting the role.

• Continuing education requirements for insurance license(s) must be fulfilled.

🏝️ Benefits

• Performance-based cash incentive awards.

• Sign-on bonus.

• Health insurance available 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.

• Contributions to the Paying it Forward Savings Program toward a 401(k) for employees with student loan debt.

• Pension Plan fully funded by Travelers.

• Minimum of 20 days of paid time off annually.

• Nine paid company holidays.

• Wellness program offering 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 position.