Senior Subrogation Adjuster - Openly

About Openly

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.

Job Overview

As a Senior Subrogation Adjuster, you will serve as a key individual contributor within Openly’s Claims organization, taking direct ownership of subrogation recovery efforts with a primary focus on homeowner property losses (fire, water, product failure, construction defect, and third-party liability).

Working in close collaboration with Openly’s subrogation vendor partner, you will identify high-value recovery opportunities, review and approve expense and litigation strategies, coordinate and safeguard critical evidence, and actively manage placed files to drive optimal, timely resolutions. You will balance forensic investigation with sharp financial discipline, while coaching front-line adjusters and leveraging operational data to continuously refine Openly’s recovery program.

Key Responsibilities

Recovery Identification & Investigation

• Review paid and open homeowner claims to identify subrogation potential early, evaluate liability, and build a documented recovery plan across manufacturers, contractors, tenants, utilities, and other third parties.
• Move with urgency to preserve and acquire evidence the moment a potential claim arises—putting parties on notice and coordinating joint inspections to prevent spoliation.

Expert & Litigation Strategy

• Deploy experts with discipline: know when a loss warrants a forensic investigator or engineer, spending only where it meaningfully strengthens recovery.
• Decide when litigation is justified, weighing likely recovery against expert and legal cost, jurisdictional hurdles, and realistic odds of collection.

Negotiation, Vendor & Partner Collaboration

• Partner closely with Openly’s subrogation vendor and outside counsel on placed files—reviewing and approving expense and litigation requests, setting expectations, managing cost and scope, and monitoring progress.
• Support the front-line claims team with training, coaching, and feedback so adjusters identify and refer subrogation well; collaborate across SIU, Legal, and Catastrophe to surface recurring recovery opportunities.
• Negotiate directly with carriers, third parties, self-insureds, public adjusters, and attorneys, pursuing inter-company arbitration where appropriate.

Claims Guidance & Technical Direction

• Actively review files to identify recovery opportunities early, providing proactive direction to front-line adjusters on evidence preservation and scene investigation.
• Serve as a subject matter expert and resource for the claims team, providing ongoing training and guidance.

Documentation, Reserving & Reporting

• Maintain accurate recovery files and reserves throughout the life of each file, reporting results against recovery goals and regularly truing-up reserves against actual recovery results.

Requirements

• 8+ years of property claims experience, including 5+ years dedicated exclusively to property subrogation (rather than front-line claim handling).
• Deep command of cause-and-origin, theories of liability (fire, water, product failure, construction defects), and complex multi-state legal landscapes (waiver of subrogation, anti-subrogation, comparative fault, made-whole, spoliation, and statutes of limitations).
• Proven ability to critically evaluate and challenge expert reports while exercising sharp judgment on expert and litigation spend.
• Demonstrated track record of identifying high-value recovery opportunities, preserving evidence, and negotiating complex, disputed, high-stakes matters.
• Hands-on experience directing outside counsel and third-party vendors, effectively managing cost, scope, and timelines.
• Active adjuster license(s) or eligibility for licensing across all required states.
• Highly self-directed and adaptable in a fast-paced, remote environment, utilizing modern claims tools while modeling core values (Integrity, Teamwork, Curiosity, Urgency, Empathy).

Preferred Qualifications

• CSRP (Certified Subrogation Recovery Professional) or comparable designation.
• Prior experience standing up or improving a dedicated subrogation / recovery function.
• Experience with inter-company arbitration (e.g., Arbitration Forums).
• Experience with auto claims subrogation.
• Familiarity with claims management systems, estimating platforms (e.g., Cotality), and Microsoft Office / Google Workspace products.
• Bachelor’s degree and/or AIC, CPCU, or other relevant professional designation.

Perks & Benefits

• Remote-first culture: Dedicated to a flexible work model.
• Competitive pay & equity: Top-tier base salary paired with equity ownership.
• Comprehensive health coverage: Medical, dental, and vision plans.
• Life & disability insurance: Full coverage including voluntary supplemental options.
• Paid parental leave: Up to 8 weeks (320 hours) for eligible employees.
• 401(k) company contribution: 3% direct company contribution regardless of personal contribution.
• Home office setup: $1,500 upfront allowance plus a $75/month internet stipend.
• Professional development: $2,000 annual stipend for courses, conferences, or learning resources.
• "Be Well" program: $50/month personal health and wellness stipend.
• Volunteer hours & referral rewards: Paid time off for community service and candidate referral bonuses.

Hiring & Work Authorization

• Candidates must be U.S. Citizens, Green Card Holders, or authorized to work in the U.S. for any employer and currently residing in the United States.
• Openly is an Equal Opportunity and E-Verify Employer.