Property Claim Representative - Northwest Ohio

Hastings Insurance Company; Toledo (OH); Remote; USD 55,000 - 75,000; Full time

Benefits offered by this job

401(k) matching

Generous paid time off

Tuition assistance

Professional development

Incentive compensation

Company vehicle

Job summary

Hastings Insurance seeks a Property Claim Representative to join our Claims team, supporting policyholders across Northwest and North Central Ohio. You will investigate, evaluate, negotiate, and resolve property claims while delivering responsive, professional service to our policyholders and agency partners.

In this role, you will manage a caseload from investigation through settlement, maintain claim reserves, coordinate with adjusters, and ensure compliance with regulations.

Qualifications

• Experience handling property claims and settlements.
• Bachelor's degree preferred; equivalent experience considered.
• Knowledge of property insurance coverage, claims practices and settlement procedures.
• Excellent verbal, written, and interpersonal communication.
• Strong critical thinking, problem-solving, and decision-making.
• Effective negotiation and conflict-resolution skills.
• Organizational and time-management skills with active caseload.
• Proficient with Microsoft Office and claim management systems.
• Ability to work independently and with colleagues; maintain licenses.

Responsibilities

• Manage an assigned caseload of property claims from initial investigation through resolution, ensuring timely, accurate, and equitable outcomes.
• Investigate and evaluate property losses, determine applicable coverage, assess damages, and negotiate appropriate claim settlements in accordance with policy provisions and established guidelines.
• Communicate regularly with policyholders, claimants, agents, and other involved parties to provide updates, explain the claim process, and facilitate timely resolutions.
• Establish and maintain accurate claim reserves, thoroughly document claim activities, and ensure claim files reflect appropriate investigation and settlement decisions.
• Identify and pursue salvage, subrogation, and other opportunities to minimize claim costs.
• Coordinate with independent adjusters, contractors, and other outside experts as needed to support claim investigations and resolutions.
• Recognize potential fraudulent activity and refer appropriate matters to the Special Investigations Unit.
• Collaborate with internal teams, including Underwriting, Loss Control, and Sales, to share relevant claim information and support effective business operations.
• Maintain compliance with applicable state and federal regulations, company policies, and established claim handling procedures.

Skills

Property claims

Customer service

Negotiation

Communication

Education

Bachelor's degree

Tools

MS Office

Claim systems

Job description

Help our property policyholders when they need it most.

Hastings Insurance is seeking an Property Claim Representative to join our Claims team, supporting policyholders throughout Northwest and North Central Ohio. In this role, you’ will investigate, evaluate, negotiate, and resolve property claims while delivering responsive, professional service to our policyholders and agency partners.

We’ are looking for someone who combines strong customer service ability with sound judgment, effective communication, and a commitment to achieving fair and timely claim resolutions.

What You’ ll Do

• Manage an assigned caseload of property claims from initial investigation through resolution, ensuring timely, accurate, and equitable outcomes.
• Investigate and evaluate property losses, determine applicable coverage, assess damages, and negotiate appropriate claim settlements in accordance with policy provisions and established guidelines.
• Communicate regularly with policyholders, claimants, agents, and other involved parties to provide updates, explain the claim process, and facilitate timely resolutions.
• Establish and maintain accurate claim reserves, thoroughly document claim activities, and ensure claim files reflect appropriate investigation and settlement decisions.
• Identify and pursue salvage, subrogation, and other opportunities to minimize claim costs.
• Coordinate with independent adjusters, contractors, and other outside experts as needed to support claim investigations and resolutions.
• Recognize potential fraudulent activity and refer appropriate matters to the Special Investigations Unit.
• Collaborate with internal teams, including Underwriting, Loss Control, and Sales, to share relevant claim information and support effective business operations.
• Maintain compliance with applicable state and federal regulations, company policies, and established claim handling procedures.

What You’ ll Bring

• Prior property claims handling experience is preferred, including experience investigating, evaluating, and resolving property losses.
• A bachelor’ s degree is preferred; an equivalent combination of education, training, and relevant work experience will also be considered.
• Knowledge of property insurance coverage, claim investigation practices, damage assessment, and settlement procedures.
• Excellent verbal, written, and interpersonal communication skills, with a demonstrated commitment to customer service.
• Sound critical thinking, problem-solving, and decision-making abilities.
• Effective negotiation and conflict resolution skills, with the ability to navigate challenging situations while maintaining positive professional relationships.
• Strong organizational and time management skills, with the ability to independently manage competing priorities and an active claim caseload.
• Proficiency with Microsoft Office applications and the ability to effectively utilize claim management systems.
• Ability to work independently while collaborating effectively with colleagues and external partners.
• Ability to obtain and maintain applicable state adjuster licenses and continuing education requirements.

Location & Schedule

This is a full-time, salaried position working Monday through Friday, 8:00 a.m. to 4:30 p.m. This is a remote, field-based position supporting an assigned territory within Northwest or North Central Ohio. Preference will be given to individuals located in either the Toledo or Sandusky areas, however candidates within this general region will be considered.

Regular daily travel throughout the assigned territory is expected to conduct onsite property inspections, assess damages, and support claim investigations and resolutions. Occasional overnight travel may be required. A company vehicle is provided.

About Hastings Insurance

For more than 135 years, Hastings Insurance has helped individuals, families, and businesses protect what matters most. As a trusted partner to independent agents and policyholders, we’ ve earned a reputation for financial strength, exceptional service, and long-term stability, including an A (Excellent) financial strength rating from A.M. Best.

While we’ re proud of our history, we’ re equally focused on the future. We’ re investing in technology, strengthening partnerships with independent agents, and continuously evolving our products and services to meet the changing needs of our customers.

Just as importantly, we’ re investing in our people. Employees enjoy a collaborative, down-to-earth culture where initiative is valued, growth is encouraged, and good work is recognized. We offer competitive pay and benefits, including a 401(k) with company matching contributions, generous paid time off, tuition and professional development assistance, and company performance-based incentive compensation opportunities.

Our Organizational Commitment

At Hastings Insurance, we believe our people are our greatest strength. We foster a workplace where employees are treated with respect, supported in their growth, and empowered to contribute. We know that diverse perspectives lead to stronger collaboration, better decisions, and better outcomes for our customers and communities.

We are proud to be an equal opportunity employer. Employment decisions are based on business needs, job requirements, and individual qualifications, without regard to any legally protected characteristic.

If you require a reasonable accommodation during the application or interview process, please contact our Talent Acquisition team at 800-442-8277.