Claim Representative, Outside Property

The Travelers Companies Franklin , TN 37064

Posted 1 month ago

Primary Job Duties & Responsibilities

  • Handles 1st party property claims of moderate severity and complexity as assigned.

  • Completes field inspection of losses including accurate scope of damages, photographs, written estimates and/or computer assisted estimates.

  • Broad scale use of innovative technologies.

  • 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.

  • Establishes timely and accurate claim and expense reserves.

  • 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.

  • Negotiates with multiple constituents, i.e.; contractors or insured's representatives and conveys claim settlements within authority limits.

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

  • Properly assesses extent of damages and manages damages through proper usage of cost evaluation tools.

  • Meets all quality standards and expectations in accordance with the Knowledge Guides.

  • Maintains diary system, capturing all required data and documents claim file activities in accordance with established procedures.

  • Manages file inventory to ensure timely resolution of cases.

  • Handles files in compliance with state regulations, where applicable.

  • Provides excellent customer service to meet the needs of the insured, agent and all other internal and external customers/business partners.

  • Recognizes when to refer claims to Travelers Special Investigations Unit and/or Subrogation Unit.

  • Identifies and refers claims with Major Case Unit exposure to the manager.

  • Performs administrative functions such as expense accounts, time off reporting, etc. as required.

  • 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.

  • May provides mentoring and coaching to less experienced claim professionals.

  • May attend depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed. CAT Duty

Job Specific & Technical Skills & Competencies

  • Interpersonal and customer service skills
  • Advanced
  • Organizational and time management skills- Advanced

  • Ability to work independently

  • Intermediate
  • Judgment, analytical and decision making skills
  • Intermediate
  • Negotiation skills
  • Intermediate
  • Written, verbal and interpersonal communication skills including the ability to convey and receive information effectively
  • Intermediate
  • Investigative skills
  • Intermediate
  • Ability to analyze and determine coverage
  • Intermediate
  • Analyze, and evaluate damages
  • Intermediate
  • Resolve claims within settlement authority
  • Intermediate

Job Summary

Under 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.

  • As part of the hiring process, this position requires the completion of an online pre-employment assessment. Further information regarding the assessment including an accommodation process, if needed, will be provided at such time as your candidacy is deemed appropriate for further consideration.

  • This job does not manage others

Education, Work Experience & Knowledge

Bachelors Degree preferred. General knowledge of estimating system Xactimate preferred. 2+ years previous outside property claim handling experience preferred.

Physical Requirements

  • Operates standard office equipment
  • Continuously
  • Sitting (can stand at will)
  • Continuously
  • Standing
  • Continuously
  • Climbing unprotected heights (ladder, rooftop, stairs, loading dock)
  • Frequently
  • Use of Keyboards, Sporadic 10-Key
  • Continuously
  • Working in a confined or restricted area
  • Frequently
  • Driving
  • Continuously
  • Lifting items up to 36-50 pounds
  • Frequently
  • 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.

Minimum Qualifications

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

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Claim Representative, Outside Property

The Travelers Companies