Outside Claims Representative - CAT

Rep Outside Claims - CH09BN

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.

We are hiring for an Outside Claim Representative in Seattle, LA, Denver, Washington DC, Las Vegas, Minneapolis, and NYC.

The Outside claims Representative (OCR) provides property damage expertise to support first-party personal and business property claims through The Hartford’s One Property model, including field, local territory, virtual, and catastrophe response work.

Success in this role requires strong ownership, customer focus, and the ability to partner effectively with Inside Claim Representatives, customers, vendors, and contractors to deliver timely, accurate claim resolution. Candidates must be willing and able to deploy in response to catastrophe events and changing business needs, including extended deployments that may last multiple consecutive weeks.

• Proactively manage assigned property claims from inspection through damage resolution.
• Perform residential and business property inspections (field, virtual, local territory, or catastrophe deployment) and evaluate damages.
• Review claim information, policy details, endorsements, deductibles, prior damage, photos, imagery and other documentation to prepare for inspection and damage evaluation.
• Prepare accurate estimates, document findings, manage supplements, and issue payments when appropriate.
• Own damage-related activity and supplements when appropriate, while applying judgment to resolve light-touch items efficiently and avoid unnecessary handoffs.
• Partner with Inside Claim Representatives to support clear ownership, effective handoffs, compliance needs, customer communications and overall claim resolution.
• Utilize approved vendors and resources to support quality outcomes, customer service, and expense management.
• Maintain flexibility to support local territory work, catastrophe response, and changing business needs.

• Apply property claim expertise, construction knowledge, estimating skills, and Xactimate proficiency to assess damages and determine scope.
• Exercise sound judgment and critical thinking when evaluating damages, reviewing documentation, coordinating inspections and resolving customer or contractor questions.
• Serve as a property damage resource across Personal Insurance, Business Insurance and Catastrophe Claim Operations.
• Communicate clearly, professionally, and effectively in both written and verbal interactions.
• Leverage AI-powered tools to improve claims handling efficiency, enhance quality and consistency, support decision-making, and identify opportunities for process improvement while adhering to company and regulatory requirements.

• Foster a customer-centric, team-oriented culture aligned with The Hartford’s values.
• Build effective relationships with customers, claim partners, vendors, contractors and leadership.
• Demonstrate an “own it” mindset by driving resolution, making informed decisions and appropriately escalating issues.
• Represent The Hartford with professionalism, empathy, and credibility, building customer confidence and trust throughout the claim journey.

• College degree and/or relevant work experience.
• Experience in property claims, construction, field adjusting, estimating, catastrophe response or Xactimate preferred.
• Strong customer service, communication, negotiation, critical thinking, and organizational skills.
• Ability to manage competing priorities, make sound decisions, and handle…