Outside Property Claim Representative

Claim$60,700.00 - $100,200.003Under moderate supervision, this position is responsible for the handling of first party property claims including: investigating, evaluating, estimating and negotiating to ensure optimal claim resolution for personal or business claims of moderate severity and complexity. Handles claims and other functional work involving one or more lines of business other than property (i.e. auto, workers compensation, premium audit, underwriting) may be required. Provides quality claim handling throughout the claim life cycle (customer contacts, coverage, investigation, evaluation, reserving, negotiation and resolution) including maintaining full compliance with internal and external quality standards and state specific regulations.
This position is based 100% remotely and may include a combination of mobile work and/or work from your primary residence.

• Negotiates with multiple constituents, i.e.; contractors or insured’s representatives and conveys claim settlements within authority limits.
• In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements. Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated.
• Perform other duties as assigned.
• May provides mentoring and coaching to less experienced claim professionals.
• Performs administrative functions such as expense accounts, time off reporting, etc. as required.
• Broad scale use of innovative technologies.
• CAT Duty ~ This position will require participation in our Catastrophe Response Program, which could include deployment away for a minimum of 16 days (includes 2 travel days) to assist our customers in other states.
• May attend depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.
• This position requires the individual to access and inspect all areas of a dwelling or structure, which is physically demanding requiring the ability to carry, set up and climb a ladder weighing approximately 38 to 49 pounds, walk on roofs, and enter tight spaces (such as attic staircases and entries, crawl spaces, etc.). While specific territory or day-to-day responsibilities may not require an individual to climb a ladder, the incumbent must be capable of safely climbing a ladder when deploying to a catastrophe which is a requirement of the position.
• On a rotational basis, engage in resolution desk technical work and resolution desk follow up call work.
• Manages file inventory to ensure timely resolution of cases.
• Recognizes when to refer claims to Travelers Special Investigations Unit and/or Subrogation Unit.
• Completes field inspection of losses including accurate scope of damages, photographs, written estimates and/or computer assisted estimates.
• Identifies and refers claims with Major Case Unit exposure to the manager.
• Meets all quality standards and expectations in accordance with the Knowledge Guides.
• Provides multi-line assistance in response to workforce management needs; including but not limited to claim handling for Auto, Workers Compensation, General Liability and other areas of the business as needed.
• Handles files in compliance with state regulations, where applicable.
• Must secure and maintain company credit card required.
• Properly assesses extent of damages and manages damages through proper usage of cost evaluation tools.
• Handles 1st party property claims of moderate severity and complexity as assigned.
• Determines appropriate settlement amount based on independent judgment, computer assisted building and/or contents estimate, estimation of actual cash value and replacement value, contractor estimate validation, appraisals, application of applicable limits and deductibles and work product of Independent Adjusters.
• Maintains diary system, capturing all required data and documents claim file activities in accordance with established procedures.
• Writes denial letters, Reservation of Rights and other complex correspondence.
• Investigates and evaluates all relevant facts to determine coverage, damages and liability of first-party property damage claims (including but not limited to analyzing leases, contracts, by-laws and other relevant documents which may have an impact), damages, business interruption calculations and liability of first-party property claims under a variety of policies. Secures recorded or written statements as appropriate.
• Provides excellent customer service to meet the needs of the insured, agent and all other internal and external customers/business partners.
• Establishes timely and accurate claim and expense reserves.

• Ability to work independently – Intermediate
• Judgment, analytical and decision making skills - Intermediate
• Analyze, and evaluate damages –Intermediate
• Bachelor's Degree preferred.
• Interpersonal and customer service skills – Advanced
• General knowledge of estimating system Xactimate preferred.
• Investigative skills – Intermediate
• Resolve claims within settlement authority – Intermediate
• Ability to analyze and determine coverage – Intermediate
• Valid passport preferred.
• Two or more years of previous outside property claim handling experience preferred.
• Negotiation skills – Intermediate
• Written, verbal and interpersonal communication skills including the ability to convey and receive information effectively –Intermediate
• Organizational and time management skills- Advanced

• High School Diploma or GED required.
• Valid driver's license required.
• A minimum of one year previous outside property claim handling experience or successful completion of Travelers Outside Claim Representative training program required.

• Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers.
• Wellness Program: The Travelers wellness program is comprised of tools and resources that empower you to achieve your wellness goals. In addition, our Life Balance program provides access to professional counseling services, life coaching and other resources to support your daily life needs. Through Life Balance, you’re eligible for five free counseling sessions with a licensed therapist.
• Health Insurance: Employees and their eligible family members – including spouses, domestic partners, and children – are eligible for coverage from the first day of employment.
• Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays.
• Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice.