Property Claims Adjuster (Remote, US)

Why Openly

Openly is rebuilding insurance, enhancing every aspect of the customer experience through innovation and technology. We offer premium insurance made simple, with customizable coverages, competitive prices, and a superior customer experience from claims handling to service.

The Openly Difference

• Price: Cutting-edge data and technology provide customizable, competitive prices.
• Policy: Truly customizable coverages for individual protection needs.
• Experience: Tailored claims handling and responsive customer service.

Welcome to Your Next Adventure

At Openly, our people are as important as our product. We foster a culture of collaboration, communication, and work-life balance, built on core values of Integrity, Empathy, Teamwork, Curiosity, and Urgency. We are committed to Diversity, Equity, & Inclusion, believing that diverse teams drive success.

Job Details: Property Claims Adjuster

This core individual contributor role involves managing homeowner property claims from first notice of loss through resolution. The position requires a blend of technical claims expertise, a strong customer focus, and meticulous attention to detail. You will investigate losses, produce accurate estimates, and deliver an exceptional policyholder experience, embodying Openly's core values.

Key Responsibilities

Claim Investigation & Coverage Analysis

• Manage end-to-end property claim handling, including supplements, ensuring timely and accurate resolution.
• Conduct thorough investigations, including policy review, coverage analysis, and liability determination.
• Examine claims for subrogation opportunities and identify potential fraud.
• Determine appropriate inspection methods (virtual, field, third-party) based on claim complexity.
• Conduct virtual inspections using video, AI-assisted tools, and other emerging technologies.

Estimating & File Documentation

• Complete accurate property damage estimates using Cotality estimating software.
• Prepare and maintain thorough file documentation, including coverage letters, estimates, activity notes, and settlement documentation.
• Adhere to reserving best practices and update reserves accurately.

Customer Service & Communication

• Proactively manage claims with a commitment to timeliness and exceeding expectations.
• Provide superior customer service to policyholders, claimants, and agents.
• Provide regular, clear, and professional updates to all stakeholders.
• Negotiate claim settlements fairly and professionally.
• Maintain availability to assist customers and respond promptly to inquiries.

Vendor & Partner Collaboration

• Manage and collaborate with vendor partners (contractors, independent adjusters, engineers).
• Partner with internal functions (SIU, Subrogation, Legal, Underwriting) for aligned claim outcomes.

Continuous Improvement & Team Contribution

• Contribute ideas for process improvement to enhance efficiency and claim quality.
• Work extended hours during CAT events or high claim volume periods as needed.
• Support a collaborative team environment and foster accountability and learning.

Requirements

• 8+ years of property adjusting claims experience and customer service.
• Experience writing estimates in Cotality, Xactimate, or a comparable platform.
• Experience writing estimates based on field inspection information (not just reviewing others').
• Active adjuster license(s) or eligibility to obtain required state licenses.
• 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 advanced adjusting tools (virtual inspections, estimating platforms).
• Ability to work effectively both independently and in a fast-paced team.
• Comfortable with constant change and adaptability 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.
• Bachelor’s Degree or equivalent combination of education and experience.
• Relevant professional designations (CCP, CPCU, AIC).

Work Environment

• Full-time, exempt position.
• Remote-first environment.
• Regular availability during core business hours expected.
• Occasional extended hours required during CAT events or high claim volume.

Compensation & Benefits

• Budgeted Salary Range: $70,000 - $90,000 USD.
• Full Salary Range: $60,750 - $112,250 USD (Actual compensation determined by experience and qualifications).
• Benefits & Perks:
• Remote-First Culture.
• Competitive Salary & Equity.
• Comprehensive Medical, Dental, and Vision Plans.
• Life and disability coverage (including voluntary options).
• Parental Leave: Up to 8 weeks paid.
• 401K Company Contribution (3% of gross income).
• Work-from-home stipend ($1,500 allowance).
• Annual Professional Development Fund ($2,000).
• Be Well Program ($50/month for well-being).
• Paid Volunteer Service Hours.
• Referral Program and Reward.
• Eligibility for cash incentive compensation (commissions) may apply depending on the role.
• AI is used to organize applications and potentially schedule interviews, but all hiring decisions are made by team members.