Property Claims Adjuster (Remote, US)
Job Details
The Property Claims Adjuster is a core individual contributor role within Openly’s Property Claims organization, responsible for managing homeowner property claims from first notice of loss through resolution. This position demands a combination of technical claims expertise, strong customer focus, and meticulous attention to detail; someone who can investigate losses thoroughly, produce accurate estimates, and deliver a superior policyholder experience at every touchpoint. The ideal candidate handles every file with integrity, approaches policyholders and claimants with genuine empathy, remains curious about coverage and causation, partners effectively with vendors and teammates, and brings urgency to resolving every claim.
Key Responsibilities
Claim Investigation & Coverage Analysis:
Manage end-to-end property claim handling from first notice of loss through closure, including supplements, ensuring timely and accurate resolution.
Conduct thorough investigations including review of policy terms, coverage analysis, and determination of liability.
Examine claims for potential subrogation opportunities and identify potential fraudulent issues.
Determine the appropriate method of inspection (virtual, field, or third-party) based on claim complexity and circumstances.
Conduct virtual inspections using video, AI-assisted tools, and other emerging technology platforms.
Estimating & File Documentation:
Complete accurate property damage estimates using Cotality estimating software, adhering to established standard practices.
Prepare and maintain thorough file documentation, including coverage letters, estimates, activity notes, and settlement documentation.
Adhere to reserving best practices and update reserves accurately throughout the life of the claim.
Customer Service & Communication:
Proactively handle claims with a commitment to timeliness and exceeding expectations.
Provide superior customer service to policyholders, claimants, and agents throughout the claims process.
Discuss claim status and provide regular updates to insureds, claimants, agents, and leadership, always maintaining clear and professional communication.
Negotiate settlement of claims with insureds, claimants, and vendors with fairness and professionalism.
Remain logged into phone queues to assist customers and respond promptly to inbound inquiries.
Vendor & Partner Collaboration:
Manage and collaborate with vendor partners including contractors, independent adjusters, engineers, and other service providers.
Partner with internal functions — including SIU, Subrogation, Legal, and Underwriting — to drive aligned claim outcomes.
Continuous Improvement & Team Contribution:
Provide input and ideas for continuous process improvement, identifying opportunities to enhance efficiency and claim quality.
Work CAT hours during storm events or periods of high claim volume as needed.
Support a collaborative team environment and contribute to a culture of accountability, learning and improvement.
Requirements
8+ years of property adjusting claims experience and customer service
Experience writing estimates in Cotality, Xactimate, or a comparable platform
Experience writing estimates using information provided by field inspections, not only reviewing field adjuster estimates
Active adjuster license(s) or eligibility to obtain licenses in all required states; must maintain licensure as a condition of continued employment
Experience in a remote or hybrid claims environment
Proficiency in Microsoft and Google productivity tools
Excellent written and verbal communication skills
Strong organization, time management, and multi-tasking abilities
Strong negotiation and problem-solving skills
Ability to work from home without distraction
Tech-savvy with comfort using high-end technology tools for adjusting (virtual inspections, estimating platforms, etc.)
Ability to work effectively both independently and within a fast-paced team environment
Comfortable with constant change, adaptability, and flexibility in a rapidly growing company
Preferred Qualifications
Experience with virtual inspection tools and AI-assisted claims platforms
Exposure to catastrophe (CAT) claim operations
Innovative mindset with a track record of contributing to process improvement
Experience with MacBook and Google Suite products in claims handling
Bachelor’s Degree or equivalent combination of education and experience
CCP, CPCU, AIC or other relevant professional designation
Work Environment
This is a full-time, exempt position. Openly operates in a remote-first environment. Regular availability during core business hours is expected. Occasional extended hours may be required during CAT events or periods of elevated claim volume.
#LI-HK1
The Property Claims Adjuster is a core individual contributor role within Openly’s Property Claims organization, responsible for managing homeowner property claims from first notice of loss through resolution. This position demands a combination of technical claims expertise, strong customer focus, and meticulous attention to detail; someone who can investigate losses thoroughly, produce accurate estimates, and deliver a superior policyholder experience at every touchpoint. The ideal candidate handles every file with integrity, approaches policyholders and claimants with genuine empathy, remains curious about coverage and causation, partners effectively with vendors and teammates, and brings urgency to resolving every claim.
Key Responsibilities
Claim Investigation & Coverage Analysis:
Manage end-to-end property claim handling from first notice of loss through closure, including supplements, ensuring timely and accurate resolution.
Conduct thorough investigations including review of policy terms, coverage analysis, and determination of liability.
Examine claims for potential subrogation opportunities and identify potential fraudulent issues.
Determine the appropriate method of inspection (virtual, field, or third-party) based on claim complexity and circumstances.
Conduct virtual inspections using video, AI-assisted tools, and other emerging technology platforms.
Estimating & File Documentation:
Complete accurate property damage estimates using Cotality estimating software, adhering to established standard practices.
Prepare and maintain thorough file documentation, including coverage letters, estimates, activity notes, and settlement documentation.
Adhere to reserving best practices and update reserves accurately throughout the life of the claim.
Customer Service & Communication:
Proactively handle claims with a commitment to timeliness and exceeding expectations.
Provide superior customer service to policyholders, claimants, and agents throughout the claims process.
Discuss claim status and provide regular updates to insureds, claimants, agents, and leadership, always maintaining clear and professional communication.
Negotiate settlement of claims with insureds, claimants, and vendors with fairness and professionalism.
Remain logged into phone queues to assist customers and respond promptly to inbound inquiries.
Vendor & Partner Collaboration:
Manage and collaborate with vendor partners including contractors, independent adjusters, engineers, and other service providers.
Partner with internal functions — including SIU, Subrogation, Legal, and Underwriting — to drive aligned claim outcomes.
Continuous Improvement & Team Contribution:
Provide input and ideas for continuous process improvement, identifying opportunities to enhance efficiency and claim quality.
Work CAT hours during storm events or periods of high claim volume as needed.
Support a collaborative team environment and contribute to a culture of accountability, learning and improvement.
Requirements
8+ years of property adjusting claims experience and customer service
Experience writing estimates in Cotality, Xactimate, or a comparable platform
Experience writing estimates using information provided by field inspections, not only reviewing field adjuster estimates
Active adjuster license(s) or eligibility to obtain licenses in all required states; must maintain licensure as a condition of continued employment
Experience in a remote or hybrid claims environment
Proficiency in Microsoft and Google productivity tools
Excellent written and verbal communication skills
Strong organization, time management, and multi-tasking abilities
Strong negotiation and problem-solving skills
Ability to work from home without distraction
Tech-savvy with comfort using high-end technology tools for adjusting (virtual inspections, estimating platforms, etc.)
Ability to work effectively both independently and within a fast-paced team environment
Comfortable with constant change, adaptability, and flexibility in a rapidly growing company
Preferred Qualifications
Experience with virtual inspection tools and AI-assisted claims platforms
Exposure to catastrophe (CAT) claim operations
Innovative mindset with a track record of contributing to process improvement
Experience with MacBook and Google Suite products in claims handling
Bachelor’s Degree or equivalent combination of education and experience
CCP, CPCU, AIC or other relevant professional designation
Work Environment
This is a full-time, exempt position. Openly operates in a remote-first environment. Regular availability during core business hours is expected. Occasional extended hours may be required during CAT events or periods of elevated claim volume.
#LI-HK1