Claims Representative - Property
About The Position
Western National Insurance Group is seeking a Property Claims Representative to investigate, evaluate, negotiate, and resolve assigned first-party commercial and personal insurance claims. The role reviews coverage, investigates facts, evaluates documentation, makes decisions about compensability and exposure, establishes and reviews reserves, and maintains clear and accurate claim records. It also provides guidance to external resources and vendors and serves as a technical consultant to business partners and other claims representatives. The representative applies relevant laws, regulations, policies, and claims practices; addresses complex or unfamiliar issues; and recommends process improvements. The role emphasizes positive relationships and exceptional customer service for insureds, claimants, agents, colleagues, and external partners. Field investigations, including scene investigations and property inspections, may be required, with occasional short-notice travel. The position may also involve special projects and other assigned duties.
Requirements
- A minimum of two years of experience with property claims.
- Strong understanding of industry practices, standards, and claims concepts.
- Ability to multitask and solve problems.
- Ability to collect and analyze information, identify trends, establish facts, and recommend appropriate solutions.
- Excellent verbal and written communication skills, including the ability to tailor messaging to different audiences.
- Strong negotiation, interpersonal, and relationship-building skills.
- Proficiency with core claims systems, office technology, computer equipment, and software applications.
- Strong time management skills.
- Bachelor’s degree or related experience.
Nice To Haves
- Prior experience managing personal and commercial lines property claims.
- AIC or AINS certification.
- Ability to identify process-improvement opportunities and enhance claims handling practices.
- Proficiency using core systems, office and computer equipment, and software packages.
Responsibilities
- Investigate, evaluate, negotiate, and resolve property claims across multiple lines of business.
- Review policy coverage, investigate facts, and evaluate supporting documentation to make informed decisions about compensability, exposure, and claim resolution.
- Establish and review claim reserves based on investigation, evaluation, and jurisdictional requirements.
- Maintain accurate and current claim documentation and reports.
- Provide direction and guidance to external resources and vendors involved in the claims process.
- Serve as a technical consultant and subject matter expert to business partners and fellow claims representatives.
- Apply applicable state laws, regulations, policies, and claims practices to ensure appropriate claim handling.
- Identify and resolve complex or unfamiliar claims issues using a systematic and analytical approach.
- Develop and recommend process improvements and solutions to improve claims handling effectiveness and performance.
- Build and maintain positive relationships with insureds, claimants, agents, internal team members, and external business partners.
- Provide timely, professional customer service and resolve claim-related concerns.
- Conduct field investigations, including scene investigations and property inspections, as needed, with occasional short-notice travel.
- Perform special projects and other duties as assigned.
Benefits
- Medical insurance plan options
- Dental insurance
- Vision benefits
- Life insurance
- Disability insurance
- Health Savings Accounts (HSA)
- Flexible Spending Accounts (FSA)
- 401(k) plan with 100% matching on the first 6% of employee contributions
- Wellbeing Program, including an onsite fitness studio
- Paid time off, including holidays, vacation, and volunteer time
- 100% company-paid tuition reimbursement for approved job-relevant coursework
- Access to The Institutes for risk and insurance education
- Paid parental leave
- Bonus opportunities
- Flexible work environment, including a variety of hybrid and remote work arrangements
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
