Senior Property Claim Rep (Remote)

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2024 and certification as a Great Place to Work in 2024 for the fifth consecutive year.

Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Selective Insurance is looking for a Sr. Property Claims Rep for this remote position.

The Sr. Property Claim Rep Investigates, negotiates and concludes by settlement or denial assigned property claims through telephone, personal contact, and/or written correspondence. These duties are performed consistent with company claims' policies and procedures within prescribed authority and standards of performance. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

• Primary responsibilities include handling Homeowners, Commercial Property, and Inland Marine losses involving contents or equipment.
• Independently reviews/analyzes the policy forms and endorsements to determine applicable coverages, limits, deductibles and settlement calculations.
• Gathers appropriate documentation to support the claimed damages through phone/email contact with customers, vendors, and police departments (includes estimates, proof of ownership/value, required company forms, reports, invoices, etc).
• Reviews damage documentation to determine loss amount. Negotiates settlements based on documentation presented, vendor contact/discussions, personal knowledge and experience, customer discussions and policy language.
• Documents claim files, establishes and updates reserves throughout the life of the claim, maintains suspense system, processes expenses, prepares checks, updates MCS, and sends appropriate letters based on state regulations and company directives.
• Explores salvage and subrogation potential.
• Continuously reviews and analyzes investigative information to determine if file is eligible for fraud/SIU handling.
• Enlists the assistance of vendors to help with remediation services, verification of loss facts, contents replacement, estimating and cost analysis of the claimed damages.
• Reviews all claims continuously to determine whether loss/claim is best served with the inside group or eligible for transfer to the field for further handling based on complexity of the loss, dollar amount involved, coverages that apply, and issues that arise
• Actively participates in the triaging and/or handling of large storm and CAT events for the company.
• Must be able to drive an automobile to travel within territory. Car travel represents approximately 0-10% of employee's time and a valid driver's license.

Knowledge & Requirements

• College degree preferred.
• 1-5 years of Commercial and Homeowner property experience preferred.

Education & Experience

• Understanding of Commercial and Homeowner property policy language and endorsements.
• Adjuster licenses in states requiring same (obtain within 3 months of hire).
• Exceptional customer service skills.
• Damage evaluation and negotiation skills (review and writing of estimates, contents replacement, etc).
• Must have valid state-issued driver's license in good standing and be able to drive an automobile.

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and paid time off plans. Additional details about our total rewards package will be provided during the recruiting process.

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual's unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences - and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.