Field Property Claims Representative

Goodville Mutual Casualty Company; New Holland (Lancaster County); Remote; USD 45,000 - 65,000; Full time

Job summary

Goodville Mutual Casualty Company is seeking an experienced property and casualty claims professional to investigate, inspect, and settle assigned losses. The role includes outside field property inspections and settlement authority up to $30,000, with opportunities to travel to multiple Pennsylvania, Ohio, and South Dakota offices.

The ideal candidate has 5–10 years of P&C claims experience, strong communication and negotiation skills, and the ability to work remotely with minimal supervision.

Qualifications

• 5–10 years of Property & Casualty claims experience, with field claims preferred.
• Ability to learn the coverages of all policies written by the company.
• Strong communication and negotiation abilities.
• Proficiency with company computer systems.
• Valid driver’s license and safe driving record.
• Willingness to travel to PA, OH, and SD offices and vendor sites.

Responsibilities

• Investigate claims, take photos, measure damage, diagram, and write estimates; communicate with insureds, claimants, and lawyers.
• Verify policy coverage on assigned losses.
• Pursue subrogation, salvage, and third-party liability contribution.
• Conduct physical inspections of property loss sites and assess payment vs. denial.
• Maintain reserves and report claims exceeding settlement authority.

Skills

P&C claims experience

Field claims experience

Communication skills

Negotiation skills

Xactimate knowledge

Driver's license

Remote work ability

Tools

Xactimate

Job description

Description

Summary:

This position is responsible for investigation, inspection, and settlement of assigned losses. This position is also responsible for providing outside field property claims inspection service as directed by inside claims representatives, and adjusting and settling claims for all lines of business written by the company with settlement authority up to $30,000.

Functions:

• Handle claims according to company guidelines and in compliance with the Unfair Claims Practices Act.
• Investigate claims assigned. This may include taking photos, measuring damaged property, diagramming, and writing estimates as well as written and phone communication with insureds, claimants, and their legal representatives.
• Verify policy coverage on assigned losses.
• Pursue subrogation, salvage, and third-party liability contribution.
• Conduct physical inspections of property loss sites.
• Evaluate claim information to determine if payment of the claim or a denial is in order.
• Notify Property Claim Manager of all claims that exceed settlement authority of $30,000.
• Establish and maintain proper and adequate reserves on assigned claims.
• Report claim complaints, questionable claim submissions and possible fraud to Property Claim Manager or Claims Manager.
• Attend claims seminars and insurance related meetings; participate in claims associations.
• Assist Property Claim Manager and Claims Manger in attending arbitrations, hearings, or court proceedings, as needed.
• Remain available to service claims after normal business hours, weekends, and holidays, if needed.
• Perform other duties as assigned by the Property Claims Manager and Claims Manager.

Requirements

• Five to ten years’ Property and Casualty claims experience, with some prior experience handling claims as a field claims representative preferred.
• Ability to learn the coverages of all insurance policies written by the company required.
• Effective communication and negotiation skills required.
• Ability to work effectively with company computer systems required.
• Ability to work remotely, independently and without direct supervision required.
• Proficiency and knowledge of the Xactimate estimating platform preferred.
• Involvement in insurance-related seminars and continuing education preferred.
• Ability to effectively converse with the public required.
• Valid driver’s license with a safe driving record required.
• Ability to set up and climb ladders, balance at various heights, stoop, bend, or crawl to inspect structures while conducting physical inspections of property loss sites required.
• Ability to carry work materials weighing up to 50 lbs. required.
• Ability to work flexible hours, travel to all organization offices (including in Pennsylvania, Ohio, and South Dakota) and travel to vendor work sites required.
• Ability to work in an office environment with moderate noise level, remain in a stationary position and operate a computer a majority of the time required.
• Ability to move throughout the office to access work materials and to move work materials weighing up to ten pounds daily required.
• Ability to perform the essential functions of the job with or without reasonable accommodation required.