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Catastrophe Outside Property Claim Representative Trainee information

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$30K

$78K

$165.5K

How much do catastrophe outside property claim representative trainee jobs pay per year?

As of Sep 9, 2026, the average yearly pay for catastrophe outside property claim representative trainee in the United States is $78,042.00, according to ZipRecruiter salary data. Most workers in this role earn between $52,500.00 and $90,000.00 per year, depending on experience, location, and employer.

What does a Catastrophe Outside Property Claim Representative Trainee do?

A Catastrophe Outside Property Claim Representative Trainee is responsible for learning how to investigate, evaluate, and resolve property insurance claims that occur due to catastrophic events, such as hurricanes, floods, or tornadoes. They work primarily in the field, visiting affected sites, inspecting property damage, and interacting directly with policyholders. Under the supervision of experienced adjusters, trainees develop skills in documenting losses, determining coverage, and negotiating settlements. The role involves significant travel, quick decision-making, and strong customer service abilities, especially during high-stress disaster situations.

What are the key skills and qualifications needed to thrive as a Catastrophe Outside Property Claim Representative Trainee?

To excel as a Catastrophe Outside Property Claim Representative Trainee, you need a solid understanding of property insurance policies, investigative techniques, and a high school diploma or higher—often supplemented by relevant coursework or insurance licenses. Familiarity with claims management software, digital imaging tools, and mobile estimating platforms such as Xactimate is typically required. Strong communication, empathy, time management, and problem-solving skills help you effectively interact with policyholders and manage claims in high-stress, disaster-affected environments. These skills and qualifications are vital to ensure accurate claim assessments, customer satisfaction, and efficient recovery for clients during catastrophic events.

What are some common challenges faced by catastrophe outside property claim representative trainees during their first year on the job?

New Catastrophe Outside Property Claim Representative Trainees often face the challenge of rapidly adapting to high-pressure situations, especially when responding to large-scale disasters. The role frequently requires travel to affected areas, working long or irregular hours, and handling multiple complex claims simultaneously. Trainees must quickly develop strong investigative and customer service skills to assess damages, communicate empathetically with policyholders, and coordinate with contractors and adjusters. Team collaboration is essential, as trainees work closely with experienced adjusters and support staff to ensure timely and accurate claims resolution.

What is the difference between Catastrophe Outside Property Claim Representative Trainee vs Outside Property Claim Representative?

AspectCatastrophe Outside Property Claim Representative TraineeOutside Property Claim Representative
CredentialsTypically requires a high school diploma or equivalent; on-the-job training providedRequires similar credentials; often involves certification or licensing depending on state
Work EnvironmentField-based, responding to catastrophe sites, often in variable weather conditionsPrimarily field work at property sites, may include office tasks
Employer & Industry UsageInsurance companies during catastrophe events, entry-level trainee roleInsurance companies, experienced role for handling property claims

The Catastrophe Outside Property Claim Representative Trainee is an entry-level position focused on training for handling property claims during major disaster events. The Outside Property Claim Representative is a more experienced role responsible for managing property claims in the field. Both roles require similar credentials and work in the insurance industry, but the trainee position emphasizes learning and support during catastrophe responses.

How do you become a catastrophe outside property claim representative trainee?

To become a catastrophe outside property claim representative trainee, candidates typically need a high school diploma or equivalent, strong communication skills, and the ability to work outdoors in various weather conditions. Some employers prefer prior experience in insurance, claims adjusting, or related fields, and may require passing a licensing exam depending on the state or company policies.

Is a catastrophe outside property claim representative trainee a good job?

A catastrophe outside property claim representative trainee role involves assisting with insurance claims related to large-scale disasters, requiring strong communication and problem-solving skills. It offers opportunities for fieldwork, on-the-job training, and potential career advancement within the insurance industry. The job can be demanding due to the nature of catastrophe claims but provides valuable experience in claims handling and customer service.

What cities are hiring for Catastrophe Outside Property Claim Representative Trainee jobs?

Cities with the most Catastrophe Outside Property Claim Representative Trainee job openings:

What states have the most Catastrophe Outside Property Claim Representative Trainee jobs?

States with the most job openings for Catastrophe Outside Property Claim Representative Trainee jobs include:

Catastrophe Outside Property Claim Representative Trainee jobs near you

Outside Property Claim Representative

New York, NY • On-site, Remote

The Travelers Indemnity Company
10K+ employees
Learn more about The Travelers Indemnity Companyexternal

$67K - $110K/yr

Full-time

Medical, Life, Retirement, PTO

Re-posted 7 days ago

Job description

Who Are We?
Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.
Job Category
Claim
Compensation Overview
The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards.
Salary Range
$67,000.00 - $110,600.00
Target Openings
3
What Is the Opportunity?
Under moderate supervision, this position is responsible for the handling of first party property claims including: investigating, evaluating, estimating and negotiating to ensure optimal claim resolution for personal or business claims of moderate severity and complexity. Handles claims and other functional work involving one or more lines of business other than property (i.e. auto, workers compensation, premium audit, underwriting) may be required. Provides quality claim handling throughout the claim life cycle (customer contacts, coverage, investigation, evaluation, reserving, negotiation and resolution) including maintaining full compliance with internal and external quality standards and state specific regulations. This position is based 100% remotely and may include a combination of mobile work and/or work from your primary residence.
LOCATION REQUIREMENT: This role services Insureds and Agents in the New York City area and throughout northern, central, and southern New Jersey. The selected candidate must reside or be willing to relocate at their own expense to the assigned territory.What Will You Do?
  • Handles 1st party property claims of moderate severity and complexity as assigned.
  • Completes field inspection of losses including accurate scope of damages, photographs, written estimates and/or computer assisted estimates.
  • Broad scale use of innovative technologies.
  • Investigates and evaluates all relevant facts to determine coverage, damages and liability of first-party property damage claims (including but not limited to analyzing leases, contracts, by-laws and other relevant documents which may have an impact), damages, business interruption calculations and liability of first-party property claims under a variety of policies. Secures recorded or written statements as appropriate.
  • Establishes timely and accurate claim and expense reserves.
  • Determines appropriate settlement amount based on independent judgment, computer assisted building and/or contents estimate, estimation of actual cash value and replacement value, contractor estimate validation, appraisals, application of applicable limits and deductibles and work product of Independent Adjusters.
  • Negotiates with multiple constituents, i.e.; contractors or insured's representatives and conveys claim settlements within authority limits.
  • Writes denial letters, Reservation of Rights and other complex correspondence.
  • Properly assesses extent of damages and manages damages through proper usage of cost evaluation tools.
  • Meets all quality standards and expectations in accordance with the Knowledge Guides.
  • Maintains diary system, capturing all required data and documents claim file activities in accordance with established procedures.
  • Manages file inventory to ensure timely resolution of cases.
  • Handles files in compliance with state regulations, where applicable.
  • Provides excellent customer service to meet the needs of the insured, agent and all other internal and external customers/business partners.
  • Recognizes when to refer claims to Travelers Special Investigations Unit and/or Subrogation Unit.
  • Identifies and refers claims with Major Case Unit exposure to the manager.
  • Performs administrative functions such as expense accounts, time off reporting, etc. as required.
  • Provides multi-line assistance in response to workforce management needs; including but not limited to claim handling for Auto, Workers Compensation, General Liability and other areas of the business as needed.
  • May provides mentoring and coaching to less experienced claim professionals.
  • May attend depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.
  • CAT Duty ~ This position will require participation in our Catastrophe Response Program, which could include deployment away for a minimum of 16 days (includes 2 travel days) to assist our customers in other states.
  • Must secure and maintain company credit card required.
  • In order to perform the essential functions of this role, acquisition and maintenance of Insurance License(s) and/or a UAS Remote Pilot Certification may be required to comply with federal, state, and Travelers requirements. Generally, required Insurance License(s) must be obtained within three months of starting the role, and ongoing continuing education requirements must be maintained as mandated.
  • On a rotational basis, engage in resolution desk technical work and resolution desk follow up call work.
  • This position requires the individual to access and inspect all areas of a dwelling or structure, which is physically demanding requiring the ability to carry, set up and climb a ladder weighing approximately 38 to 49 pounds, walk on roofs, and enter tight spaces (such as attic staircases and entries, crawl spaces, etc.). While specific territory or day-to-day responsibilities may not require an individual to climb a ladder, the incumbent must be capable of safely climbing a ladder when deploying to a catastrophe which is a requirement of the position.
  • Perform other duties as assigned.
What Will Our Ideal Candidate Have?
  • Bachelor's Degree.
  • General knowledge of estimating system Xactimate.
  • Two or more years of previous outside property claim handling experience.
  • Interpersonal and customer service skills - Advanced.
  • Organizational and time management skills- Advanced.
  • Ability to work independently - Intermediate.
  • Judgment, analytical and decision making skills - Intermediate.
  • Negotiation skills - Intermediate.
  • Written, verbal and interpersonal communication skills including the ability to convey and receive information effectively -Intermediate.
  • Investigative skills - Intermediate.
  • Ability to analyze and determine coverage - Intermediate.
  • Analyze, and evaluate damages -Intermediate.
  • Resolve claims within settlement authority - Intermediate.
  • Valid passport.

What is a Must Have?
  • High School Diploma or GED.
  • One year previous outside property claim handling experience or successful completion of Travelers Outside Claim Representative training program.
  • Valid driver's license.

What Is in It for You?
  • Health Insurance: Employees and their eligible family members - including spouses, domestic partners, and children - are eligible for coverage from the first day of employment.
  • Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers.
  • Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays.
  • Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs.
  • Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice.

Employment Practices
Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences.
In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions.
If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you.
Travelers reserves the right to fill this position at a level above or below the level included in this posting.
To learn more about our comprehensive benefit programs please visit http://careers.travelers.com/life-at-travelers/benefits/.

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