Selective Insurance Company of America

Sr. Service Center Property Claim Representative

US-VA-Richmond | US
Experience (Years)
Full-Time Regular
FLSA Status
Job ID
Travel %
Relocation Cost
Auto Reimbursement


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.


  • Receives assigned Homeowner and Commercial Property claims and 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 in the Service Center 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 surface throughout the investigation. 
  • Actively participates in the triaging and/or handling of large storm and CAT events for the company.
  • Required to write small estimates using Xactimate (estimating software).


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

Selective is an Equal Employment Opportunity employer. Selective maintains a drug-free workplace



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