What does a Property Damage Claims Representative do?

Claims representatives work for insurance companies to settle claims through the evaluation of facts of a customer's situation surrounding their claim. They are responsible for determining whether the loss is covered and what compensation should be. They investigate thoroughly to ensure that an insurance claim is not fraudulent and may be required to contact relevant third-parties including a doctor, an employer, or to consult with a police report. Ultimately, claims representatives negotiate insurance settlements, authorize payments, and keep records.

Claims representatives serve as the liaison between a policyholder and an insurance specialist and are often the initial point person for insurance-related events. In some instances, they collaborate with representatives from other insurance companies for an incident that is relevant to both industries, including medical and automotive carriers. Claims representatives need a minimum high school diploma or GED and complete a college degree program that provides academic training for the vocation. Professional certification is also available.

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Work/Life Balance
3.3 ★
Salary Range--
Career Opportunity
3.2 ★
Avg. Experience8+ years

Property Damage Claims Representative Salaries

Average Base Pay

$47,898 /yr
Same as national average
Not including cash compensation
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Not enough salaries reported to show distribution
Median: $48K
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Glassdoor Estimated Salary

Property Damage Claims Representative Career Path

Learn how to become a Property Damage Claims Representative, what skills and education you need to succeed, and what level of pay to expect at each step on your career path.

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Property Damage Claims Representative Insights

Read what Property Damage Claims Representative professionals have to say about their job experiences and view top companies for this career.
State FarmState Farm
Claim Associate
Jun 21, 2021

“Great training and resources will be setup to do your job with confidence and continuous improvement.”

Sedgwick Claims Management ServicesSedgwick Claims Management Services
Senior Claims Representative
Aug 11, 2021

“we are told to do many things ourselves that are really tasks for support staff.”

Respiratory Technologies
Reimbursement Specialist
Mar 16, 2021

“There is no coaching or career development whatsoever (even though they advertise this as an employee benefit).”

State FarmState Farm
Claim Associate
Oct 6, 2020

“Very little information was ever communicated to me about when I could possibly get a better job.”

Claims Representative
Oct 14, 2021

“I worked my whole life in the service industry and this was my first opportunity to work a "9”

AllianceRx Walgreens PrimeAllianceRx Walgreens Prime
Insurance Specialist
Jun 29, 2020

“I had to train others and was given no option not to and no pay incentive”

Social Security AdministrationSocial Security Administration
Claims Representative
Mar 31, 2021

“Do not look at this as a career and you’ll be happy and healthy.”

Motilal Oswal SecuritiesMotilal Oswal Securities
Insurance Specialist
Apr 19, 2021

“Good and nice to work with.”

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Property Damage Claims Representative Interviews

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Property Damage Claims Representative Jobs