Property Claims Adjuster

The Hartford; United States; Hybrid; USD 60,000 - 89,000; Full time

Job summary

The Hartford is seeking a Property Claims Adjuster II to investigate, reserve, assign and settle first-party property losses while delivering superior customer service. This role supports a hybrid or remote work arrangement and may involve travel for training.

You will operate in the full file model, selecting the proper estimating resources and collaborating with vendors to meet quality standards. Strong negotiation, critical thinking, and clear communication are essential.

Qualifications

• College degree strongly preferred, including extracurricular/volunteer activities

Responsibilities

• Handle claim files in line with quality standards and goals.
• Negotiate skillfully in challenging situations with internal and external groups.
• Make independent business decisions to move claims forward.
• Consistently provide high-quality customer service.
• Meet or exceed expectations and requirements of internal and external customers.
• Properly assess the exposure of assigned claims.
• Coordinate with organization and vendors to adjudicate claims.
• Develop technical and jurisdictional expertise including knowledge of independent adjusters, contractors and vendors.
• Set appropriate and timely file reserves.
• Identify and properly manage subrogation, salvage and other recovery opportunities.
• Identify fraud indicators and initiate investigations.
• Maintain professionalism and credibility with customers and enhance The Hartford’s reputation.

Skills

Negotiation

Customer service

Decision making

Analytical thinking

Investigation

Communication

Adaptability

AI tools usage

Education

College degree

Tools

Copilot

ChatGPT

Job description

Property Claims Adjuster II - CL09DN

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.

Sustaining The Hartford’s unique workplace culture is vital to delivering on our purpose – underwriting human achievement – and continuously producing outstanding results. Our enterprise work model, which reflects a mix of in-office, hybrid and fully remote roles, helps us attract, retain and develop the talent we need to achieve the company’s strategic goals. This role can be performed in either a hybrid or remote work arrangement.

At The Hartford, we respect our employees for their unique perspectives, ideas and solutions. We empower individuals and teams to invent faster, smarter ways of meeting customers’ needs while improving our performance. Character and customer value are just as vital to our reputation as financial performance which leads to behaviors that put the customer at the center of everything we do.

This position will be accountable for successfully investigating, reserving, assigning and settling first party property losses while delivering superior customer service.

The ideal candidate will operate in the full file model and handle all claims by selecting the proper estimating resource to adjudicate the claim.

This position will ensure quality standards are met with vendors utilized to adjudicate the claim.

Responsibilities

• Handle claim files in a manner consistent with Claim quality standards and goals.
• Negotiate skillfully in challenging situations with internal and external groups.
• Make independent business decisions to move claims forward as needed.
• Consistently provide high-quality customer service.
• Meet or exceed expectations and requirements of internal and external customers.
• Properly assess the exposure of assigned claims.
• Utilize organization and communication skills to effectively resolve assignments, manage claim deadlines, and appropriately manage vendors.
• Develop technical and jurisdictional expertise, including knowledge of independent adjusters, contractors, vendors, etc.
• Set appropriate and timely file reserves.
• Identify and properly manage subrogation, salvage and other recovery opportunities.
• Identify fraud indicators and initiate investigation.
• Always demonstrate professionalism and establish credibility when interacting with customers; personally enhance The Hartford’s reputation in the marketplace.

Business Acumen and Technical Expertise

• Demonstrate knowledge of LOB specific competencies to ensure effective management of claims.
• Utilize verbal and numerical critical thinking skills to gather information and data; make sound decisions based upon the mixture of analysis, wisdom, experience and judgment.
• Ability to communicate in a clear succinct manner (written and verbal).

Teamwork and Team Building

• Support and help create a team environment that achieves culture behaviors.
• Build appropriate rapport and constructive and effective relationships with people inside and outside the organization.
• Represent The Hartford as a credible, trustworthy, flexible and dependable resource.
• Demonstrate courtesy, honesty, integrity, respect and competence when interacting with others.

Qualifications

• College Degree strongly preferred to include extracurricular or volunteer activities desired.
• Evidence of career growth.
• Experience in Construction Industry preferred, not required.
• Ability to handle complex and difficult negotiations with urgency.
• Ability to handle competing priorities while positively impacting the quality and service we are committed to delivering.
• Superior desk management skills required.
• Critical thinking skills inclusive of investigation, decision making and conflict resolution.
• Ability to contribute and promote an inclusive culture of continuous learning that is built on teamwork, collaboration, transparency, and accountability to one another.
• Passionate desire to help both internal and external customers.
• Ability to embrace change and flourish with industry-changing technology and trends.
• Experience using AI tools like Copilot or ChatGPT to help with research, problem solving, data analysis or written communications.
• Ability to create and maintain loyal customers by creating a service experience that differentiates us within the industry.
• Ability to listen attentively to our customer’s needs and exhibit empathy during difficult situations.
• Ability to produce clear and grammatically accurate correspondence.

Additional Information

• Important Dates:
• Adjuster License required to be obtained prior to start of training August 17th, 2026. Licensing prep time will be fully paid from August 10th 2026 - August 21st, 2026.
• You will be required to successfully complete a multi-week New Hire Training Course.
• Must be available for the multi-week training from August 10th, 2026 - November 6th, 2026.
• Training will likely include 1 week of travel to Texas for an in-person training the week of October 5th, 2026.
• This role can have a Hybrid or Remote work arrangement. Candidates who live near one of our office locations (Hartford, CT, San Antonio, TX, Lake Mary, FL, Scottsdale, AZ, Naperville, IL, and Alpharetta, GA) will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise.

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:

$59,520 - $89,280

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age

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