Claims Examiner – Spinnaker
Job Title: Claims Examiner – Partner Programs
Location: Austin, TX / Dallas, TX / Bedminster, NJ / San Jose, CA
Reports To: Claims Program Manager or Claims Manager
About Hippo
Hippo exists to protect the joy of homeownership. We believe that insurance should protect the things you treasure through an intuitive, modern experience. We provide tailored insurance coverage and preventative maintenance plans that keep you protected throughout your homeowner journey. We’ll also help you find coverage for everything life brings—from auto to flood—reimagining how you care for your home.
About The Role:
The Claims Examiner – Partner Programs is responsible for the timely and accurate review and approval of claims exceeding the TPA’s/Claim Administrator’s authority, in accordance with company guidelines, regulatory requirements, and best claim practices. This role analyzes coverage, authority requests for reserves and payment on claims through resolution, including communication with internal and external stakeholders.
What You’ll Do:
Claim Handling & Investigation
- Review claims submitted by TPAs and authorize reserves and payments where those amounts exceed the TPA’s authority
- Provide guidance to TPAs to ensure proper investigation and timely, equitable disposition of claims, including retention of experts and/or attorneys where needed
- Assist TPA with coverage analysis, seeking underwriting assistance where appropriate
- Review and approve reservation of rights and coverage denial letters to ensure accuracy and consistency in coverage analysis
- Review claims to ensure appropriate reserve levels and that changes are made on a timely basis
- Refer claims more than authority to supervisor
- Prepare notifications to underwriters and reinsurers for large or contentious claims
- Review and approve TPA funding requests within authority
- Participate in claim file audits to monitor TPA performance
- Assist with preparation of reports for underwriting, agents, insureds or state agencies as needed
Communication & Service
- Provide clear and professional communication to TPAs/Claim Administrators, brokers, and program partners
- Issue timely claim correspondence, status updates, and regulatory notices
- Participate in claim reviews and provide updates to management as requested
- Escalate complex coverage or high-exposure matters to senior leadership
Compliance & Reporting
- Ensure claim handling complies with regulatory requirements and internal guidelines
- Maintain proper documentation in claim management systems
- Support data calls, audits, and reporting requests
- Assist with reinsurer reporting requirements when applicable
Professional Development
- Participate in training programs and technical development opportunities
- Seek feedback and coaching to continuously improve claim handling skills
- Contribute to team collaboration and knowledge sharing
What You Bring:
- 2–5 years of claims handling experience in property, casualty, or specialty lines
- Basic understanding of insurance coverage principles and policy interpretation
- Experience investigating and resolving claims, including exposure analysis and reserving
- Strong written and verbal communication skills
- Organizational skills with the ability to manage a caseload effectively
- Ability to work collaboratively with internal teams and external partners
- Proficiency in Microsoft Office applications (Excel, Word, Outlook)
Nice to Have:
- Experience working with TPAs or program business
- Exposure to litigated claims
- Professional designations in progress or interest in pursuing (AIC, ARM, CPCU, etc.)
Benefits and Perks
Hippo treats its team members with the same level of dedication and care as we do our customers, which is why we’re fortunate to provide all of our Hippos with:
- Healthy Hippos Benefits - Multiple medical plans to choose from and 100% employer covered dental & vision plans for our team members and their families. We also offer a 401(k)-retirement plan, short & long-term disability, employer-paid life insurance, Flexible Spending Accounts (FSA) for health and dependent care, and an Employee Assistance Program (EAP)
- Equity - This position is eligible for equity compensation
- Training and Career Growth - Training and internal career growth opportunities
- Flexible Time Off - You know when and how you should recharge
- Little Hippos Program - We offer 12 weeks of parental leave for primary and secondary caregivers
- Hippo Habitat - Snacks and drinks available for onsite employees
The Morristown, NJ base pay range for this role is $85,000 - $120,000. Exact compensation may vary based on several job-related factors that are unique to each candidate, including but not limited to: skill set, experience, education/training, location, business needs and market demands.
Hippo is an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion.
Hippo’s applicants are considered solely based on their qualifications, without regard to an applicant’s disability or need for accommodation. Any Hippo applicant who requires reasonable accommodations during the application process should contact the Hippo’s People Team to make the need for an accommodation known.
Applicant & Employee Privacy Notice (CCPA/CPRA)
Skills Required
- 2-5 years of claims handling experience in property, casualty, or specialty lines
- Basic understanding of insurance coverage principles and policy interpretation
- Experience investigating and resolving claims, including exposure analysis and reserving
- Strong written and verbal communication skills
- Organizational skills with the ability to manage a caseload effectively
- Ability to work collaboratively with internal teams and external partners
- Proficiency in Microsoft Office applications, including Excel, Word, and Outlook
- Experience working with third-party administrators or program business
- Exposure to litigated claims
- Professional designations in progress or interest in pursuing AIC, ARM, or CPCU
Hippo Insurance Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Hippo Insurance and has not been reviewed or approved by Hippo Insurance.
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Healthcare Strength — Company materials and job listings describe multiple medical plan options with employer‑paid dental and vision, with some describing 100% employer‑paid medical/dental/vision for employees and, in some cases, families. Listings also reference life insurance, disability coverage, FSAs, and an EAP.
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Leave & Time Off Breadth — Flexible or unlimited PTO is advertised across company materials. Time off is presented as broadly available, with mechanics to be confirmed by role and location.
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Parental & Family Support — Paid parental leave for primary and secondary caregivers is highlighted, alongside adoption and infertility reimbursements in benefit summaries. These family‑building supports are consistently emphasized in external benefit descriptions.
Hippo Insurance Insights
What We Do
Hippo’s more than just a home insurance company, its reimagined home protection, helping our customers identify and resolve issues in their homes before they become major headaches. Hippo offers complimentary smart home devices with smart home discounts, home care services that include home wellness checkups and layers in advanced technology that’s focused on preserving our customers’ properties and their pocketbooks. In just over three years, we’ve grown to protect hundreds of thousands of homeowners in 31 states, reaching over 70 percent of the US homeowners population, and aim to reach 95 percent of homeowners by 2021. Hippo has raised $359 million in total funding with a recorded $1.5 billion valuation. Most recently, the company announced a $150 million Series E funding round led by venture capital firm FinTLV.
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