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Whether you’re starting out or leveling up, you’ll find the resources to evolve, the support to take on more and a team ready to back you at every stage.
Your ambition has a home here.
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.
What You'll Do
Coverage Analysis & Investigation
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
File Management & Resolution
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; escalate 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
Customer Experience
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
Compliance & Audit Readiness
Produce exemplary, defense-ready file documentation that clearly articulates coverage positions
Maintain a zero-miss compliance record and advise on emerging regulatory issues
Subrogation & Mentorship
Proactively investigate and preserve subrogation rights on complex property claims
Coach and mentor less-tenured adjusters on file handling, documentation, and difficult conversations
What We're Looking For
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, habitational, or specialty commercial property lines is a plus
Compensation
The expected salary range for this position is $85,000 to $100,000 and will be impacted by factors such as the successful candidate's skills, experience and…