[Hiring] Property Claims Adjuster @Openly

Role Description

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.

• Investigate losses thoroughly, produce accurate estimates, and deliver a superior policyholder experience at every touchpoint.
• Handle every file with integrity, approach policyholders and claimants with genuine empathy, and remain curious about coverage and causation.
• Partner effectively with vendors and teammates, bringing 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.

Qualifications

• 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.

Compensation & Benefits

• Budgeted Salary Range: $70,000 — $90,000 USD.
• Full Salary Range: $60,750 — $112,250 USD.
• Remote-First Culture - We supported #remotelife long before it was a given.
• 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.
• 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.
• Referral Program and Reward.