Claims Advisor Property

Next Horizon is here. Fueled by investments in talent and technology our bold strategy to transform is nearly complete.

At Gore Mutual weve always set ourselves apart as a modern mutual that does good. Now were proudly building on that legacy to transform our companyand our industryfor the better.

Our path forward sharpens our focus on business performance driven by leading technology innovation and an agile high-performing culture. With Gore Mutual and Beneva announcing their intent to merge in 2026 well be uniting two well-established financially strong and trusted brands to become the strongest mutual insurer in Canada ensuring Canadians have purpose-driven insurance options for generations to come.Come join us.

ThePersonal PropertyAdvisor is essential to Gore Mutuals 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 lossesdeterminingaccuratecoverage and efficiently resolving claims they contribute directly to Gore Mutuals bottom line. Beyond technicalexpertise the advisors focus on delivering a positive claims experience builds lasting relationships with policyholders further strengthening the companys 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 ofpersonal propertylosses
• 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 informationbecomes 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 asappropriate.
  
  

Customer Service and Communication:

• Provide exceptional customer service throughout the claims processmaintainingopen 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:

• Identifytrends 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.

• Identifyopportunities 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:Proven ability to communicate effectively with claimants brokers and other stakeholders in a professional and empathetic manner.

• Experience using claims management systems:Proficiencywith software like Guidewire or similar platforms is beneficial for efficient claims handling.

Skills required for the role:

• In-depth knowledge ofpersonalpropertyinsurance principles and practices:Understanding ofpolicy wordings coverage options exclusions and legal requirements.

• Strong analytical and problem-solving skills:Ability to assess complex situations gather relevant information and make sound decisions based on facts and evidence.

• Excellent communication (verbal and written) and interpersonal skills:Clear and concise communication with various stakeholders including internal colleagues claimants brokers and experts.

• Effective negotiation skills:Ability to negotiate fair andequitablesettlements that meet the needs of both the policyholder and the insurer.

• Detail-oriented and organized:Ability to manage multiple claims simultaneouslymaintainaccuraterecords and meet deadlines.

• Proficient in using technology:Comfortable with claims management systems Microsoft Office suite and other relevant software.

• Ability to work independently and as part of a team:Balance individual responsibilitieswithcollaborating effectively with colleagues and other departments.

• Strong time management and prioritization skills:Effectively manage workload and prioritize tasks based on urgency and importance.

• Adaptability and flexibility:Able to adjust to changing prioritiesnew information and unexpected challenges.

• Commitment to continuous learning:Willingness to stay informed about industry trends regulatory changes andnew technologies.

Location: This is a hybrid work model which requires 2 days spent in our vibrant Cambridge office

The expected base salary range for this position is $52500.00 - $86500.00. Depending on your relevant experience skills qualifications market conditions and business needs base compensation may vary. You have the potential to earn more through Gore Mutuals discretionary bonus program which gives you an opportunity to increase your total compensation provided the business meets its performance targets and you meet your individual goals.

Please note: This range reflects the expected base salary for this role but may not represent the full compensation range for all experience and skill levels. During the recruitment process we will discuss and consider how your unique qualifications align with the broader range for this position.

Gore Mutual is proud to offer a comprehensive total rewards package which includes extended health and dental benefits disability insurance retirement plan matching paid time off recognition and perk programs.

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This posting pertains to an existing vacancy that is actively being filled.

Accessibility for applicants

Gore Mutual Insurance Company is committed to providing accommodations for people with disabilities during all phases of the recruiting process including the application process.

If you require accommodation because of a disability we will work with you to meet your needs.Contact usand a human resources representative will consult with you to determine an appropriate accommodation.

Should you request an accommodation during the interview process please notify your Talent Acquisition Consultant.