Property Claims Adjuster (Remote)

Job Details

The Property Claims Adjuster (preferred in MST & PST timezones) 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.

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.
• 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

• MST & PST timezones.
• 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.

Compensation & Benefits

The budgeted salary range for this position is $70,000 - $90,000 USD. Actual compensation for this position will be determined based on the successful candidate's experience and skills. We are committed to providing a compensation package that not only reflects the responsibilities and requirements of the role, but also the unique expertise that the chosen candidate will bring to our team.

The full salary range shows the min to max salary range for this position. Actual compensation will be commensurate with experience and qualifications and determined based on various factors including the candidate's qualifications, skills, and experience.

Benefits & Perks:

• Remote-First Culture - We supported #remotelife long before it was a given. We'll keep promoting it.
• Competitive Salary & Equity
• Comprehensive Medical, Dental, and Vision Plan Offerings
• Life and disability coverage including voluntary options
• Parental Leave - up to 8 weeks (320 hours) of paid parental leave based on meeting eligibility requirements (Birthing parents may be eligible for additional leave through STD)
• 401K Company Contribution - Openly contributes 3% of the employee's gross income, even if the employee does not contribute.
• Work-from-home stipend - We provide a $1,500 allowance to spend on setting up your home workplace.
• Annual Professional Development Fund: Each employee has $2,000 in professional development (PD) funds to spend on activities or resources annually.
• Be Well Program - Employees receive $50 per month to use towards your overall well-being.
• Paid Volunteer Service Hours Depending on position, Employees generally are eligible for cash incentive compensation, including commissions for sales eligible roles.

U.S. Citizens, Green Card Holders, and those authorized to work in the U.S. for any employer and currently residing in the US will be considered.

Openly is committed to equal employment opportunity and non-discrimination for all employees and qualified applicants without regard to a person's race, color, sex, gender identity or expression, age, religion, national origin, ancestry, ethnicity, disability, veteran status, genetic information, sexual orientation, marital status, or any characteristic protected under applicable law.

Openly is an E-Verify Employer in the United States. Openly will make reasonable accommodations for qualified individuals with known disabilities under applicable law. We strive to provide an exceptional applicant and candidate journey when you engage with us. In an effort to respond to applicants in a timely manner, we leverage AI to organize applications and resumes based on required and applicable skills and experience. To allow our applicants to drive their initial interview experience with us, we may leverage an AI-supported scheduling tool so you can choose when to meet with our team. While AI assists with efficiency, all hiring decisions are made by our team members.

Your data is protected according to privacy laws and company policies. Contact our recruitment team with any questions about our AI-assisted hiring process.