Senior Claims Adjuster

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Proper Insurance is a Managing General Agent (MGA) and a division of SPG, operating with full claims handling authority. We offer a commercial policy designed from the ground up to cover short-term rental properties - one of the fastest-growing and most nuanced segments in modern insurance. We are looking for an experienced Senior Claims Specialist to manage a caseload of property claims weighted toward higher-complexity files - coverage disputes, large losses, and litigated claims.

You'll operate with a high degree of independence, acting as a trusted authority on Proper's property coverage forms and a mentor to adjusters earlier in their careers, escalating only when a file is genuinely novel or precedent-setting.

• Independently analyze complex and disputed coverage scenarios across Proper's STR property coverage forms
• Identify coverage gaps and exposure that less-experienced adjusters may miss
• Explain complex or unwelcome coverage determinations to insureds clearly and with empathy

• Own a caseload of property claims weighted toward high-complexity, large-loss, and litigation files, with latitude to carry specialty files beyond your core diary
• Act autonomously on the large majority of claim decisions; escalating only genuinely novel or precedent-setting issues
• Build and validate advanced Xactimate estimates (custom macros, profiles, sketch tools) and provide peer review for less-tenured adjusters

• Serve as the point of contact for insureds navigating difficult or high-stakes claims - elevating the experience and de-escalating disputes independently
• Model the communication standard the rest of the team is coached toward

• Produce exemplary, defense-ready file documentation that clearly articulates coverage positions
• Maintain a zero-miss compliance record and advise on emerging regulatory issues

• Proactively investigate and preserve subrogation rights on complex property claims
• Coach and mentor less-tenured adjusters on file handling, documentation, and difficult conversations

• 5+ years of property claims adjusting experience, including demonstrated experience with coverage disputes, large losses, or litigated files
• Deep working knowledge of residential or STR-specific property coverage forms
• Advanced proficiency with Xactimate, including custom macros/profiles and sketch tools
• Strong written communication skills and a track record of audit-ready documentation
• Demonstrated autonomy and sound judgment on complex claim decisions
• Experience mentoring, coaching, or peer-reviewing other adjusters
• Active adjuster license(s) as required by jurisdiction
• Experience with short-term rental,…