Job Description

Job Description Summary

Under general supervision, this position is responsible for handling first party property claims including: investigating, evaluating, estimating and negotiating to ensure optimal claim resolution for personal or business claims of high severity and complexity. 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. Provides consulting and training resources, and serves as a contact and technical resource to the field and our business partners. This position is based 100% remotely and may include a combination of mobile work and/or work from your primary residence.

Primary Job Duties & Responsibilities

Handles 1st party property claims of high 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, agents and all other internal and external customers/business partners.
Determines when to refer claims to Travelers Investigative Services 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.
Actively provides mentoring and coaching to less experienced claim professionals.
May attend depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed. Obtains experts as needed and assist the Litigation Claim Unit.
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.
Must secure and maintain company credit card required.
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.
Other duties as assigned.

Minimum Qualifications

High School Diploma or GED required.
A minimum of three years of Personal Insurance or Business Insurance Property claim handling experience required.
Valid driver’s license required.

Education, Work Experience, & Knowledge

Bachelor’s Degree preferred.
General knowledge of estimating system Xactimate preferred.
Customer Service experience – preferred

Licensing or Certificates

Valid passport preferred.

Job Specific Technical Skills & Competencies

Interpersonal and customer service skills- Advanced
Organizational and time management skills – Advanced
Ability to work independently – Advanced
Judgment, analytical and decision making skills – Advanced
Negotiation skills – Advanced
Written, verbal and interpersonal communication skills including the ability to convey and receive information effectively – Advanced
Investigative skills – Advanced
Ability to analyze and determine coverage – Advanced
Analyze, and evaluate damages – Advanced
Resolve claims within settlement authority – Advanced