Outside Property Claims Adjuster

6 days ago


Louisville, Kentucky, United States THE TRAVELERS INDEMNITY COMPANY Full time
About the Role

This position is responsible for handling first-party property claims, including investigating, evaluating, and negotiating to ensure optimal claim resolution for personal or business claims of moderate severity and complexity.

Key Responsibilities
  • Handles 1st party property claims of moderate severity and complexity as assigned.
  • Completes field inspections of losses, including accurate scope of damages, photographs, written estimates, and/or computer-assisted estimates.
  • Investigates and evaluates all relevant facts to determine coverage, damages, and liability of first-party property damage claims.
  • Establishes timely and accurate claim and expense reserves.
  • Determines appropriate settlement amounts based on independent judgment, computer-assisted building and/or contents estimates, 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, including contractors or insured's representatives, and conveys claim settlements within authority limits.
  • Writes denial letters, Reservation of Rights, and other complex correspondence.
  • Properly assesses the 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 a 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 the 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 provide 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 a company credit card required.
  • In order to perform the essential functions of this job, acquisition and maintenance of Insurance Licenses may be required to comply with state and Travelers requirements.
  • 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.).
  • Perform other duties as assigned.


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