Outside Claims Representative - CAT

The Hartford•New York, NY

About The Position

The Outside Claims Representative provides property damage expertise for first-party personal and business property claims through The Hartford’s One Property model. Work may include field inspections, local territory assignments, virtual claim handling, and catastrophe response. The role requires ownership, customer focus, and effective coordination with Inside Claim Representatives, customers, vendors, and contractors to achieve timely and accurate claim resolution. The representative must be able and willing to deploy for catastrophe events and changing business needs, including extended deployments lasting multiple consecutive weeks. The representative manages property claims from inspection through damage resolution, evaluates residential and business property damage, prepares estimates, documents findings, manages supplements, and issues payments when appropriate. The role applies construction knowledge, estimating skills, and Xactimate proficiency; uses sound judgment to evaluate damages and resolve questions; and serves as a property damage resource across Personal Insurance, Business Insurance, and Catastrophe Claim Operations. The representative also uses AI-powered tools to improve efficiency, quality, consistency, decision-making, and process improvement while following company and regulatory requirements. The role builds effective relationships with customers, claim partners, vendors, contractors, and leadership, and represents The Hartford with professionalism, empathy, and credibility. Nationwide catastrophe availability is required as business needs dictate. Required Property & Casualty Adjuster licenses must be obtained and maintained; continued employment depends on passing applicable licensing exams within 30 business days after licensing training. A valid driver’s license and a driving record meeting company and insurance requirements for operating a company vehicle are also required.

Requirements

College degree and/or relevant work experience.
Strong customer service, communication, negotiation, critical thinking, and organizational skills.
Ability to manage competing priorities, make sound decisions, and handle challenging conversations professionally and empathetically.
Proficiency with Microsoft Office applications and ability to learn and use new technologies and tools.
Strong written and verbal communication skills and a customer-focused, collaborative approach.
Availability for nationwide catastrophe operations, including deployments typically lasting 10–14 days and possible extended deployments.
Must obtain and maintain required Property & Casualty Adjuster licenses; continued employment is contingent on passing applicable licensing exams within 30 business days from completion of licensing training.
Valid driver’s license and driving record that meets company and insurance requirements for operating a company vehicle.

Nice To Haves

Experience in property claims, construction, field adjusting, estimating, catastrophe response, or Xactimate.

Responsibilities

Manage assigned property claims from inspection through damage resolution.
Perform residential and business property inspections in the field, virtually, in local territories, or during catastrophe deployments, and evaluate damages.
Review claim information, policy details, endorsements, deductibles, prior damage, photographs, imagery, and other documentation to prepare for inspections and damage evaluation.
Prepare accurate estimates, document findings, manage supplements, and issue payments when appropriate.
Own damage-related activity and supplements when appropriate, using judgment to resolve straightforward items efficiently and avoid unnecessary handoffs.
Partner with Inside Claim Representatives on ownership, handoffs, compliance, customer communications, and claim resolution.
Use approved vendors and resources to support quality outcomes, customer service, and expense management.
Remain flexible to support local territory work, catastrophe response, and changing business needs.
Apply property claim expertise, construction knowledge, estimating skills, and Xactimate proficiency to assess damages and determine scope.
Evaluate damages and documentation, coordinate inspections, and resolve customer or contractor questions using sound judgment and critical thinking.
Serve as a property damage resource across Personal Insurance, Business Insurance, and Catastrophe Claim Operations.
Use AI-powered tools to improve claims handling efficiency, quality, consistency, decision-making, and process improvement while complying with company and regulatory requirements.
Build effective relationships with customers, claim partners, vendors, contractors, and leadership.
Drive claim resolution, make informed decisions, and appropriately escalate issues.
Represent The Hartford professionally and empathetically throughout the claim journey.
Deploy for nationwide catastrophe operations as necessary, including deployments typically lasting 10–14 days and potentially longer depending on business needs and event severity.
Obtain and maintain required Property & Casualty Adjuster licenses, including passing applicable licensing exams within 30 business days after licensing training.
Maintain a valid driver’s license and a driving record that meets company and insurance requirements for operating a company vehicle.