Property Claim Representative - Western Michigan

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

Benefits offered by this job

401(k) with company matching

Generous paid time off

Tuition assistance

Professional development opportunities

Incentive compensation opportunities

Job summary

Hastings Insurance is seeking a Property Claim Representative to support policyholders across Western Michigan. You will investigate, evaluate, negotiate, and resolve property claims while delivering professional service to policyholders and agency partners.

The role emphasizes strong property claims knowledge, sound judgment, and excellent communication. A two-year claims background is preferred; a bachelor’s degree is preferred or equivalent experience.

Qualifications

• Two years of property claims handling experience preferred.
• Bachelor's degree preferred; equivalent combination considered.

Responsibilities

• Manage assigned property claims from investigation to resolution with timely, fair outcomes.
• Investigate, evaluate, and negotiate settlements in line with policy and guidelines.
• Communicate with policyholders, claimants, agents, and other parties to provide updates and explain the process.
• Maintain accurate reserves and thoroughly document claim activities.
• Identify salvage, subrogation, and cost-saving opportunities where appropriate.
• Coordinate with independent adjusters, contractors, and outside experts as needed.
• Refer potential fraud to the Special Investigations Unit and escalate as necessary.
• Collaborate with Underwriting, Loss Control, and Sales to share claim information.

Skills

Property claims handling

Communication

Negotiation

Field travel

Education

Bachelor's degree preferred

Tools

Claim management systems

Microsoft Office

Job description

Put your property claims expertise to work helping policyholders when they need it most.

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

We’re looking for someone who combines strong property claims knowledge 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

• A minimum of two years of 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.
• Strong understanding 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 Western Michigan. Preference will be given to individuals located in the Grand Rapids, Kalamazoo, or surrounding West Michigan areas; however, candidates throughout Western Michigan 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.