Note: The job is a remote job and is open to candidates in USA. Travelers is a leading property casualty insurer with a strong commitment to customer service and innovation. The Claim Representative - Outside Property role involves handling first party property claims, conducting investigations, and ensuring optimal claim resolutions while maintaining compliance with internal standards and regulations.
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 ~ 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
- On a rotational basis, engage in resolution desk technical work and resolution desk follow up call work
- 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
- Perform other duties as assigned
Skills
- High School Diploma or GED
- One year previous outside property claim handling experience or successful completion of Travelers Outside Claim Representative training program
- Valid driver's license
- Bachelor's Degree
- General knowledge of estimating system Xactimate
- Two or more years of previous outside property claim handling experience
- 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
- Valid passport
Benefits
- Health Insurance
- 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.
- Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays.
- Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs.
- 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.
Company Overview
Travelers provides insurance coverage to protect the things that are important to you – your home, your car, your valuables and your business. It was founded in 1853, and is headquartered in New York, New York, USA, with a workforce of 10001+ employees. Its website is https://www.travelers.com.Company H1B Sponsorship
Travelers has a track record of offering H1B sponsorships, with 58 in 2025, 47 in 2024, 60 in 2023, 42 in 2022, 27 in 2021, 20 in 2020. Please note that this does not guarantee sponsorship for this specific role.
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