Property Claims Adjuster (Remote US, MST/PST) - Openly

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Build the future of insurance with a team that values simplicity, empathy, and innovation.

Openly is redefining the insurance experience, replacing decades of complexity with clarity and modern technology. We’re the insurance provider people trust and the partner independent agents choose.

What Sets Us Apart

• Technology that delivers: We use data to modernize underwriting and deliver tailored insurance solutions that fit how people actually live.
• Superior protection: Highly customizable coverage designed around what policyholders need.
• Effortless from quote to claim: Simple, intuitive workflows for independent agents and fast, human-centered care for policyholders.

Our Core Values

Our people are as important as our product. Collaboration, open communication, and work-life balance aren't just nice-to-haves, they’re at the core of how we operate.

We look for people driven by integrity, empathy, teamwork, curiosity, and urgency, because a great company starts with the right people.

Diversity, Equity, & Inclusion

We embrace individuality because everyone deserves to work somewhere they belong. We’re committed to building an inclusive culture that spans race, gender, age, religion, identity, and background.

Job Summary

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; someone who can investigate losses thoroughly, produce accurate estimates, and deliver a superior policyholder experience at every touchpoint. The ideal candidate handles every file with integrity, approaches policyholders and claimants with genuine empathy, remains curious about coverage and causation, partners effectively with vendors and teammates, and brings urgency to resolving every claim.

This is a remote position open to US candidates, with a preference for individuals residing in the Mountain (MST) or Pacific (PST) time zones.

Key Responsibilities

Claim Investigation & Coverage Analysis

• Manage end-to-end property claim handling from FNOL 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 claims experience, customer service, and conflict resolution experience
• 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
• Experience with virtual inspection tools and AI-assisted claims platforms
• 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
• Willingness to work late shift, either permanently or rotationally
• Comfortable with constant change, adaptability, and flexibility in a rapidly growing company

Preferred Qualifications

• 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.

Perks & Benefits

• Remote-first culture: We supported remote work long before it became standard, and we remain dedicated to a flexible work model.
• Competitive pay & equity: Top-tier base salary paired with ownership in Openly’s growth.
• Comprehensive health coverage: Medical, dental, and vision plans tailored to you and your family.
• Life & disability insurance: Full coverage including voluntary supplemental options.
• Paid parental leave: Up to 8 weeks (320 hours) of paid parental leave for eligible employees.
• 401(k) company contribution: Openly contributes 3% of your gross income, regardless of personal contributions.
• Home office setup: A $1,500 upfront allowance to build your ideal workspace, plus a $75/month internet stipend.
• Professional development: $2,000 annually to invest in courses, conferences, or resources.
• "Be Well" program: A $50/month stipend dedicated to personal health and wellness.
• Volunteer hours & referral rewards: Paid time off to give back, plus financial rewards for referrals.