Job Description

Property Claim Representative – Individual Renters Claims

Under moderate supervision, the Property Claim Representative – Individual Renters Claims is responsible for handling low‑severity to moderate‑severity individual renters (HO‑4) claims, primarily involving personal property (contents) losses. This role requires strong time management, written communication, and analytical skills to ensure timely investigation, documentation, coverage correspondence, and resolution of claims in accordance with policy provisions, company guidelines, and applicable regulations.

This position is hybrid out of one of the following offices; Mayfield Heights Ohio, Overland Park Kansas, Dallas Texas, and Alpharetta Georgia.

Responsibilities

• Investigate, evaluate, and resolve HO‑4 individual renters claims, with a primary focus on personal property (contents) losses.
• Review and interpret HO‑4 individual renters policy forms to determine applicable coverages, exclusions, deductibles, and limits.
• Conduct desk‑based investigations, including review of loss details, supporting documentation, photos, estimates, invoices, receipts, and statements.
• Prepare and issue timely and accurate coverage letters, claim correspondence, and status updates in compliance with regulatory and internal standards.
• Determine damages, set and manage appropriate claim reserves, and negotiate settlements within assigned authority.
• Maintain accurate, thorough, and timely claim file documentation reflecting all investigative and claim handling activity.
• Communicate professionally and effectively with insureds, agents, vendors, and internal partners to ensure prompt claim progression and resolution.
• Manage an assigned inventory of renters claims efficiently to meet productivity, quality, and cycle‑time expectations.
• Identify potential issues, discrepancies, or coverage concerns and escalate appropriately.
• Adhere to all company policies, procedures, and applicable state insurance regulations.

Qualifications

• Bachelor’s degree in business, finance, insurance, or a related field, or equivalent claims handling experience.
• Prior experience handling renters insurance or personal property (contents) claims preferred.
• Working knowledge of individual renters’ policy coverage, exclusions, and claim handling principles.
• Proficiency with claims management systems and estimating or valuation tools used for contents losses. Xactimate experience preferred.
• Strong written communication skills, particularly for drafting coverage determinations and claim correspondence.
• Demonstrated ability to manage time effectively, prioritize workload, and maintain consistent productivity.
• Strong analytical, decision‑making, and problem‑solving skills.
• Excellent interpersonal and customer service skills.
• Active adjuster license as required by state regulations, or ability to obtain one within 90 days.
• This is a desk‑based position; routine travel is not required.

What We Offer

AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.

AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities.

AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.