Property (Structures) Outside Claim Rep

Job Description

The purpose of the Outside Claim Representative position provides mobile, on-site service to policy holders in response to notice of loss. Service includes prompt contact, inspection of damages, investigation, scoping and estimating damages, settlement of claim, and issuing payment. The successful candidate needs to be customer focused, excellent with face to face customer interaction and adept at time management.

Interpret the insurance contract and accurately apply the exposures of the claim to fulfill our contractual obligations to the policyholder.
Investigate all exposures and/or perils to determine cause, scope, and cost of damage and/or determine liability and extent of damages.
Perform on-site inspection and estimation of damages.
Conduct investigation to determine the extent of exposure for purposes of reserving and ultimate payment.
Document all claim activity to support the outcome of the claim file.
Comply with all internal and external reporting requirements.
Promptly negotiate resolution and mitigate damages to achieve cost effective claim outcomes.
Engage and use external resources to control allocated expenses to the claim file.
Utilize subrogation and salvage initiatives.
Identify predictive indicators of fraud, perform background checks, coordinate with special investigators, report to external agencies and bureaus, and assist in identification of trends, perpetrators and patterns of suspicious or fraudulent activity.
Utilize special fraud fighting systems and software in the investigation and disposition activities.
Guide policyholder through the claim process to ensure understanding.
Create high level of policyholder satisfaction by complying with standards for timeliness of contact, follow-up, payments, and Unfair Claim Practice Act.
Perform other related job duties as directed or needed, such as providing on-call duty and immediate response and service in emergency and catastrophe situations.
Ability to write building damage estimates using computerized software applications required, with familiarity with XACT/Sketch estimating platform a plus.

The Outside Claim Representative will work from home in the designated territory, and report into the Northeast Property Operation in Farmington Connecticut . The role comes with a laptop computer, digital camera, & a company car equipped with a GPS unit, so a clean driving record is required.


This position will work in the Charlotte, North Carolina and, have a home office set up and report to the Farmington, CT Property Claim Office. We value providing exceptional customer service and superior claim handling, while providing our employees with the opportunity for growth and advancement.


The Hartford Financial Services Group Inc. (NYSE: HIG) is a leading provider of insurance and wealth management services for millions of consumers and businesses worldwide. The Hartford is consistently recognized for its superior service and as one of the world's most ethical companies. More information on the company and its financial performance is available at

With a unique focus on customers' needs, The Hartford is known as a trusted partner that enables its customers to protect what they have today, plan for what they need tomorrow and have the confidence to achieve what's ahead. The company is well positioned to move forward and have what it need to succeed: good momentum in our businesses; a strengthened capital base; an iconic brand; and a strategy to deliver shareholder value through sustainable, profitable growth.

The Hartford's biggest competitive advantage is our employees. We hire a broad range of talented teammates from diverse backgrounds and cultures. We look for teammates who share our core values and bring passion to their jobs. Our values are projected in the way we interact with customers and among our teams.

We are an innovative leader in the industry and have been recognized by:

Ethisphere Institute as One of the ""World's Most Ethical Companies"" for four consecutive years, 2011
Carbon Disclosure Project for The Hartford's approach to climate change disclosure for four consecutive years, 2011
Newsweek Green Rankings - No. 12 on the list of U.S. Companies, 2011
Atlanta Journal-Constitution as a Top Workplace, 2011
Indianapolis Star as a Top Workplace, 2011 The Hartford Courant and FOXCT as a Top Workplace, 2011
GI Jobs as a 2011 Top 100 Military Friendly Employer
Military Times Edge as a ""Best for Vets"" Employer, 2010
Human Rights Campaign with a perfect score on the Corporate Equality Index, 2010


1 to 3 years of first party residential and structural property claim handling /adjusting, required. (must be evident on resume)
Ability to write structural damage estimates using computerized software applications required, preferably Xactimate.
Demonstrated proficiency in construction estimating and repair techniques
Ability to adjust Property claims in both Personal & Commercial Lines
Strong customer service orientation
Bachelors degree or equivalent experience
Strong conflict resolution and negotiation skills
Excellent planning and organizational skills
Ability to work independently
Valid driver's license and clear driving record
Computer literacy and strong keyboard skills
Strong written and verbal communication skills
Ability to be available for catastrophe (CAT) deployment, oftentimes on short or limited notice, as a condition of employment.
Lifting requirement of 40-50 pounds and ability to climb up to roofs to inspect damage.


At The Hartford, our compensation philosophy is simple: we pay competitive base salaries and reward performance. In addition, you will be eligible to participate in our comprehensive benefits program including Medical, Dental, Life and Disability Insurance, a 401K Plan, an Employee Stock Purchase Plan and more.

The Hartford is an Equal Employment Opportunity and Affirmative Action Employer.
The Hartford maintains a drug-free workplace.
Committed to Building Inclusion and Leveraging Diversity
**No Agencies Please**

Job Function: P&C Claim Misc Supt Roles
Primary Location: United States-North Carolina-Charlotte
Schedule: Full-time
Job Level: Individual Contributor
Education Level: Technical Diploma (12 years)
Job Type: Standard
Shift: Day Job
Employee Status: Regular
Overtime Status: Exempt
Travel: Yes, 50 % of the Time
Job Posting: Jan 4, 2012, 2:32:31 PM



Job Code

State or Province

North Carolina

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