Property Claims Advisor

At Gore Mutual, we’ve always set ourselves apart as a modern mutual that does good. Now, we’re proudly building on that legacy to transform our company—and our industry—for the better.

Effective January 1, 2026, Gore has joined Beneva—the country’s largest mutual insurance company—as part of its Property & Casualty operations in Ontario and Western Canada. During 2026, Gore will combine its operations with Unica Insurance, Beneva’s Ontario-based subsidiary specializing in niche commercial and personal insurance, creating a stronger, more diversified mutual insurer with greater scale and long‑term stability.

Every decision and investment remains anchored in long‑term benefits to customers, members, and communities. Come join us.

The Person al Property Advisor is essential to Gore Mutual's success, acting as a safeguard of both customer trust and financial stability. This role demands a blend of meticulous investigation, collaborative problem-solving, and decisive action within defined guidelines. Advisors independently manage a portfolio of primarilypersonalpropertyclaims, navigating a spectrum of complexity. Their mission is to investigate, evaluate, negotiate, and settle these claims, always adhering to company protocols and regulations.

By thoroughly assessing losses,determiningaccuratecoverage, and efficiently resolving claims, they contribute directly to Gore Mutual's bottom line. Beyond technical expertise, the advisor's focus on delivering a positive claims experience builds lasting relationships with policyholders, further strengthening the company's reputation. This role offers a unique opportunity for growth within a supportive team environment, where individuals can hone theirpersonalpropertyclaimsexpertiseand lay a solid foundation for career advancement within the organization.

What you will do:

Claims Investigation and Assessment:

• Conduct thorough andtimelyinvestigations of personal property losses
• Gather evidence todeterminecauseof loss, scope of damage, and applicable coverage.
• Document findings accurately and clearly in the claim file.
• Collaborate with experts (engineers, contractors, etc.) as needed.

Coverage Determination and Reserve Setting:

• Analyze policy wordings and endorsements todeterminecoverage applicability and setaccuratereserves based on investigation findings.
• Apply knowledge ofpersonalpropertyinsurance principles and legal requirements.
• Consult with senior advisors or underwriters for complex coverage issues.
• Regularly review and adjust reserves asnew information becomes available.

Negotiation and Settlement:

• Negotiate fair and equitable settlements with claimants, balancing customer satisfaction with cost containment for Gore Mutual.
• Explain coverage decisions clearly and professionally to claimants.
• Utilize effective negotiation techniques to reach mutually agreeable settlements.
• Escalate complex or high‑value settlements to senior advisors or management as appropriate.

Customer Service and Communication:

• Provide exceptional customer service throughout the claims process,maintaining open and transparent communication with all stakeholders.
• Manage customer expectations and address concerns within established guidelines.
• Promptly respond to inquiries and provide regular updates on claim status.
• Explain claims processes and procedures to policyholders and brokers.
• Build rapport and trust with claimants tofacilitatea positive claims experience.
• Escalate complaints or sensitive issues to senior advisors or management.

Risk Mitigation and Continuous Improvement:

• Identify trends and potential risks related topersonalpropertyclaims, contributing to ongoing risk mitigation and process improvement efforts.
• Participate in post-loss reviews and team discussions to share insights and lessons learned.
• Identify opportunities to streamline processes and enhance efficiency.
• Stay informed about industry developments and regulatory changes that may impact claims handling.

What you need to succeed:

• 3-5+ years of property claims adjusting experience preferred:
  
  This foundation in property damage assessment, coverage analysis, and negotiation is essential.
• Post secondary education preferred
• Customer service experience:
  
  Prov…