Property Claims Adjuster (Remote US, MST/PST)

Accountabilities:

Manage homeowner property claims throughout the entire claims lifecycle, from First Notice of Loss (FNOL) through investigation, settlement, supplements, and final closure, ensuring timely and accurate resolutions.
Conduct comprehensive claim investigations, reviewing policy provisions, assessing coverage, evaluating damage, and determining appropriate claim outcomes.
Identify potential subrogation opportunities and recognize indicators of possible fraudulent activity, escalating concerns to the appropriate internal teams.
Determine the most appropriate inspection approach based on claim complexity and circumstances, including virtual inspections, field assessments, and third-party evaluations.
Conduct virtual property inspections using video technology, AI-assisted tools, and other modern claims assessment platforms.
Prepare accurate property damage estimates using Cotality estimating software or comparable platforms, following established industry standards and estimating practices.
Develop estimates based on information gathered directly through inspections, ensuring independent assessment capabilities rather than relying exclusively on estimates prepared by field adjusters.
Maintain comprehensive and accurate claim documentation, including coverage letters, damage estimates, activity notes, settlement records, and supporting investigation materials.
Apply appropriate reserving practices and regularly update claim reserves throughout the lifecycle of each file to reflect accurate anticipated exposure.
Deliver exceptional customer service to policyholders, claimants, and independent agents through proactive communication, timely follow-ups, and professional claims management.
Provide regular updates on claim progress, explain coverage decisions, address questions, and communicate clearly with insureds, claimants, agents, and internal leadership.
Negotiate claim settlements with policyholders, claimants, and vendors fairly and professionally, balancing customer needs with appropriate claims outcomes.
Remain available through designated phone queues to respond promptly to incoming customer inquiries and provide claims assistance.
Coordinate and collaborate with external service providers, including contractors, independent adjusters, engineers, and other vendor partners, to support effective claim resolution.
Work closely with internal teams such as Special Investigation Units (SIU), Subrogation, Legal, and Underwriting to address complex claims and achieve consistent outcomes.
Identify opportunities to improve claims processes, operational efficiency, documentation standards, and overall service quality.
Participate in catastrophe (CAT) claims operations and work extended or adjusted hours during major storm events or periods of increased claim volume when required.
Contribute to a collaborative team environment by sharing knowledge, supporting colleagues, and promoting accountability, continuous learning, and operational excellence.
Requirements:
At least 8 years of professional property claims experience, with a strong background in customer service, claims investigation, and conflict resolution.
Demonstrated experience preparing property damage estimates using Cotality, Xactimate, or comparable estimating platforms.
Proven ability to independently write estimates using information obtained through field inspections, rather than solely reviewing estimates prepared by field adjusters.
Active adjuster license(s), or eligibility to obtain the necessary licenses across all required states, with the ability to maintain appropriate licensure throughout employment.
Previous experience working in a remote or hybrid property claims environment.
Familiarity with virtual inspection technologies, AI-assisted claims tools, and modern digital platforms used for property damage assessment.
Strong knowledge of property claims investigation, policy interpretation, coverage analysis, damage evaluation, estimating, reserving, and settlement practices.
Excellent written and verbal communication skills, with the ability to explain complex claims matters clearly and professionally.
Strong negotiation, conflict-resolution, and problem-solving abilities, particularly when managing sensitive or disputed claims.
Excellent organizational and time-management skills, with the ability to manage multiple claims, meet deadlines, and prioritize competing responsibilities.
Proficiency in Microsoft Office and Google Workspace productivity tools.
Strong technical aptitude and confidence using advanced claims technology, virtual inspection platforms, and digital estimating systems.
Ability to work independently from a home office environment with minimal distractions while remaining engaged and responsive to customers and colleagues.
Ability to collaborate effectively within a fast-paced team environment while taking ownership of individual claims and performance targets.
Willingness to work a late shift, either on a permanent basis or through a rotational schedule, to support operational coverage.
Adaptability and flexibility when responding to evolving processes, new technologies, and changing business priorities.
Preferred Qualifications:
Previous exposure to catastrophe (CAT) claims operations and experience handling claims during severe weather events or periods of elevated claim volume.
A proactive and innovative mindset, with demonstrated contributions to operational improvements and claims process optimization.
Experience using MacBook devices and Google Workspace tools in a professional claims environment.
A bachelor's degree or an equivalent combination of education and relevant professional experience.
Professional designations such as CCP, CPCU, AIC, or other relevant insurance and claims certifications.
Benefits:
Competitive compensation: Annual base salary ranging from $70,000 to $90,000, depending on experience, qualifications, and professional expertise.
Equity opportunities: Eligibility for equity participation, providing an opportunity to share in the organization's long-term growth.
Performance incentives: Certain positions may qualify for additional cash incentives or bonuses, subject to applicable compensation plan terms.
Remote-first culture: Fully remote working arrangements with an emphasis on flexibility, collaboration, and work-life balance.
Home office allowance: A one-time $1,500 allowance to establish a comfortable and productive remote workspace.
Internet stipend: An additional $75 monthly allowance to support home internet expenses.
Comprehensive healthcare: Medical, dental, and vision insurance options designed to support employees and their families.
Life and disability insurance: Comprehensive coverage, including voluntary supplemental insurance options.
Paid parental leave: Up to 8 weeks (320 hours) of paid parental leave for eligible employees, with additional disability coverage available for birthing parents.
Retirement savings: A 401(k) company contribution equal to 3% of gross income, regardless of whether employees make personal contributions.
Professional development: An annual $2,000 learning allowance for courses, conferences, certifications, and other professional development resources.
Health and wellness: A dedicated wellness stipend of $50 per month to support personal health and well-being.
Community involvement: Paid volunteer hours to encourage employees to contribute to causes and organizations they care about.
Employee referral rewards: Financial incentives for referring qualified candidates who successfully join the organization.
Work-life balance: A supportive environment that values employee well-being, flexibility, open communication, and sustainable working practices.