A Field Property Claims Representative II is a specialized and experienced professional within the insurance industry, responsible for the on-site investigation, evaluation, and resolution of property damage claims. This mid-level role is a critical frontline position that directly interacts with policyholders, requiring a blend of technical expertise, analytical skill, and customer service excellence. Individuals searching for Field Property Claims Representative II jobs are typically seeking a dynamic career that combines desk-based analysis with fieldwork, offering variety and direct problem-solving impact. Professionals in this role are the primary point of contact for policyholders after a property loss, such as damage from storms, fire, water, or theft. Their core function is to conduct thorough, in-person inspections of damaged residential, commercial, and sometimes agricultural structures. This involves traveling to loss sites, assessing the scope and cause of damage, documenting findings with photographs and notes, and determining coverage based on the specific policy language. A significant technical responsibility is writing detailed and accurate repair estimates using industry-standard software like Xactimate, which requires a strong understanding of construction methods, materials, and regional repair costs. Common responsibilities for a Field Property Claims Representative II extend beyond inspection. They make crucial coverage decisions, communicate these decisions and the claims process clearly to policyholders, and negotiate settlements to resolve claims fairly and efficiently. They manage the entire claim file, which includes identifying potential fraud, coordinating with contractors and adjusters, and ensuring compliance with state regulations and company guidelines. The role demands a high degree of autonomy, as representatives often manage their own territory and schedule, requiring excellent time management and self-motivation. Typical skills and requirements for these jobs are comprehensive. Candidates generally need several years of prior field property claims experience with an insurance carrier. Essential physical abilities include safely accessing and inspecting all areas of a structure, including climbing ladders to examine roofs and entering confined spaces like crawlspaces. Strong analytical skills are paramount for interpreting policies, investigating losses, and writing precise estimates. Superior interpersonal and communication skills are non-negotiable, as the role involves guiding customers through stressful situations with empathy and professionalism. A valid driver’s license and a clean driving record are standard requirements due to extensive travel. While not always mandatory, a college degree or industry designations (e.g., CPCU, AIC) are highly valued and can be a significant advantage for those pursuing Field Property Claims Representative II jobs, indicating a commitment to professional development and technical mastery in the insurance field.
