Property Claims Specialist

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.

Our claims team is the cornerstone of how we deliver on that promise. We handle claims in a way that is faithful to the policy built on genuine customer service and designed to create confidence with the carriers who trust us with their paper. If you take pride in doing the work right and in treating policyholders like people this is the team you want to be on.

We are looking for an experienced property Claims Specialist with 3 or more years of adjusting experience to join our team. You will manage an assigned desk of property claims end-to-end from coverage analysis and investigation through negotiation resolution and closure. You will be the primary point of contact for our insureds and your work will directly shape their experience with Proper.

Coverage Analysis & Investigation

• Review policy forms endorsements and FNOL to determine coverage applicability.
• Identify relevant exclusions conditions and limitations and document your rationale clearly.
• Conduct timely investigations through interviews document review vendor coordination and inspections.

File Management & Resolution

• Own your desk from assignment through closure with active diary management.
• Evaluate damages challenge estimates where appropriate and set reserves consistent with exposure.
• Negotiate settlements within your authority; escalate beyond it with a clear recommendation.

Customer Experience

• Serve as the primary contact for insureds agents and vendors and make them feel it.
• Explain coverage decisions in plain language; set expectations and follow through on commitments.
• Minimize status-check calls through proactive communication.

Compliance & Audit Readiness

• Document all significant decisions and activities in the claims system contemporaneously.
• Adhere to internal guidelines and applicable regulatory requirements.
• Keep your files in an audit-ready state at all times.

• 3 years of property claims adjusting experience required.
• Solid command of property coverage policy forms and claim best practices.
• Strong written and verbal communication clear concise and well-documented.
• Sound analytical judgment: you assess the facts weigh the options and own the decision.
• Negotiation skill and professional composure in difficult conversations.
• Accountability mindset you manage your desk with minimal handholding and escalate with solutions not just problems.
• Experience with short-term rental habitational or specialty commercial property lines is a plus.

Disclosure required under applicable law in California Colorado Illinois Maryland Minnesota New York New Jersey and Washington states: The expected salary range for this position is $75000 - $85000 and will be impacted by factors such as the successful candidates skills experience and working location as well as the specific positions business line scope and International is proud to offer comprehensive benefit and total compensation packages: health/dental/vision/life/disability insurance FSA HSA and 401(k) accounts paid-time-off benefits such as vacation sick and personal days and eligible bonuses equity and commissions for some positions.

#SPG

HUB International Limited is an equal opportunity employer that does not discriminate on the basis of race/ethnicity national origin religion age color sex sexual orientation gender identity disability or veterans status or any other characteristic protected by local state or federal laws rules or regulations.

E-Verify Program

We endeavor to make this website accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process please contact the recruiting team. This contact information is for accommodation requests only; do not use this contact information to inquire about the status of applications.