Litigation & Appraisal Adjuster (Remote, US)

Openly has redefined the insurance experience—replacing decades of complexity with clarity. We’re the insurance provider for people who expect more and the partner independent agents have been waiting for.

Building a better future for personal lines insurance requires diverse expertise and thoughtful execution. We bring together dedicated problem-solvers who are excited to challenge the status quo and do meaningful work.

• Technology That Delivers: We leverage cutting-edge data to modernize underwriting and deliver tailored insurance solutions.

• Superior Protection: Highly customizable coverage designed to match the unique needs of modern homeowners.

• A Seamless Experience: Frictionless workflows for independent agents and fast, human-centered care for policyholders.

At Openly, our people are just as important as our product. Collaboration, communication, and work-life balance aren't just nice-to-haves—they are core to who we are. We believe a great company is built on a foundation of shared values, which is why we seek out individuals driven by integrity, empathy, teamwork, curiosity, and a healthy sense of urgency.

We embrace individuality and know that diverse teams build better products. Our commitment to inclusion across race, gender, age, religion, identity, and background drives our culture and our business forward every day.

The Experienced Homeowner Litigation and Appraisal Adjuster is a senior-level individual contributor role within Openly’s Property Claims organization, responsible for managing complex homeowner property claims in litigation and appraisal from assignment through final resolution. This position demands deep technical claims expertise, strong litigation acumen, and the confidence to drive strategy independently on high-stakes files. The right candidate can write and critically review their own estimates, navigate sophisticated coverage questions, manage defense counsel and appraisal panels, and deliver fair, well-reasoned outcomes for every party.

The ideal candidate is a consummate professional who commands every file with proactive ownership and unwavering integrity. They bring urgency and genuine empathy to every interaction, partner effectively with defense counsel and vendors, and thrive in an environment that demands both independent judgment and close collaboration.

Litigation & Appraisal Management

• Manage end-to-end handling of HO property claims in litigation and appraisal, from assignment through final resolution, including supplements and post-resolution activity.

• Drive litigation development and strategy on the file, partnering closely with defense counsel and providing clear direction on case posture, exposure, and resolution path.

• Manage the appraisal process from invocation through award, including appraiser selection, umpire engagement, and oversight of scope and methodology.

• Make difficult, independent decisions with confidence and sound judgment, taking ownership of outcomes and escalating appropriately when warranted.

Claim Investigation & Coverage Analysis

• Conduct thorough investigations including review of policy terms, complete coverage analysis, and damages evaluation on complex HO property claims.

• Examine claims for potential subrogation opportunities and identify potential fraudulent issues.

• Issue coverage position letters, reservation of rights, and other formal claim correspondence as needed.

Estimating & File Documentation

• Independently scope and write property damage estimates using Cotality (formerly CoreLogic), applying independent technical judgment to scope and methodology.

• Critically review estimates prepared by public adjusters, contractors, and opposing experts, identifying gaps and unsupported positions.

• Prepare and maintain thorough file documentation, including coverage letters, estimates, activity notes, and settlement documentation.

• Adhere to reserving best practices and update reserves accurately throughout the life of the claim.

Customer Service & Communication

• Provide superior customer service to insureds, claimants, agents, public adjusters, attorneys, and appraisers throughout the claims process.

• Discuss and provide updates to insureds, claimants, agents, attorneys, and leadership throughout the life of the claim, ensuring every party has clarity, confidence, and timely communication.

• Maintain absolute, proactive control of every file — anticipating next steps, setting clear action plans, and driving claims forward without waiting for external prompts.

Negotiation & Independent Decision-Making

• Apply strong verbal negotiation skills to work through complex, high-stakes, and often convoluted claim situations — asking tough questions, identifying gaps in logic or documentation, and securing fair outcomes for all parties.

• Negotiate settlement of claims with insureds, claimants, public adjusters, attorneys, and vendors with fairness, professionalism, and confidence.

Vendor & Partner Collaboration

• Manage and collaborate with vendor partners — including defense counsel, appraisers, umpires, engineers, building consultants, and field inspectors — to drive accurate, efficient, and aligned claim outcomes.

• Provide feedback on process and performance as Openly engages with new litigation partners, helping shape and improve the program.

• Partner with internal functions — including SIU, Subrogation, Legal, and Catastrophe — to drive aligned claim outcomes, and actively contribute to team roundtable discussions.

• Support and mentor peers as needed, sharing expertise on litigation strategy, appraisal handling, and complex estimating.

Required

• 8+ years of HO claims experience, with demonstrated experience handling litigation matters from assignment through resolution

• Proven ability to independently scope and write property estimates in Cotality — not merely reviewing estimates prepared by others, but authoring them with technical precision and scope accuracy

• Experience managing the appraisal process from invocation through award

• Strong verbal negotiation skills and a track record of working collaboratively with defense partners to drive the litigation strategy and resolution

• Experience with formal claim handling, reservation of rights, coverage position letters, and related correspondence

• Active adjuster license(s) or eligibility to obtain licenses in all required states; must maintain licensure as a condition of continued employment

• Experience in a remote or hybrid claims environment, with the ability to work from home without distraction

• Proficiency in Microsoft and Google productivity tools

• Exceptional written and verbal communication skills, with the ability to communicate clearly and persuasively across diverse audiences including policyholders, public adjusters, contractors, experts, and legal counsel

• Strong organization, time management, and multi-tasking abilities

• Tech-savvy with comfort using high-end technology tools for adjusting

• Ability to work highly independently, make difficult decisions without constant direction, and proactively manage a complex workload in a fast-paced team environment

• Agile and change-ready mindset, comfortable with constant change, adaptability, and flexibility in a rapidly growing company

Preferred

• Experience handling claims in Oklahoma and other West Coast states

• Auto Physical Damage (APD) experience

• Innovative mindset with a track record of contributing to process improvement

• Experience with MacBook and Google Suite products in claims handling

• Bachelor’s Degree or equivalent combination of education and experience

• CPCU, AIC, or other relevant professional designation

Applicants must be currently authorized to work in the United States on a full‑time basis. This position is not eligible for employer visa sponsorship now or in the future.

Great work happens when people feel supported, valued, and empowered. From comprehensive health coverage to remote-work flexibility, our benefits are designed to care for you and your family at every stage of life.

• Remote-First Culture: We supported remote work long before it became standard, and we remain dedicated to a flexible, distributed team.

• Competitive Pay & Equity: Top-tier base salary plus ownership in Openly’s growth.

• Comprehensive Health Coverage: Medical, dental, and vision plans tailored to you and your family.

• Life & Disability Insurance: Full coverage including voluntary supplemental options.

• Parental Leave: Up to 8 weeks (320 hours) of paid parental leave for eligible employees (with additional disability coverage available for birthing parents).

• 401(k) Company Contribution: Openly contributes 3% of your gross income, regardless of whether you make personal contributions.

• Home Office Setup: A $1,500 upfront allowance to build your ideal remote workspace, plus a $75/month internet stipend.

• Professional Development: $2,000 annually to invest in courses, conferences, or resources that help you grow.

• "Be Well" Program: A $50/month stipend dedicated to your personal health and well-being.

• Volunteer Hours & Referral Rewards: Paid time off to give back to your community, plus generous financial rewards for referring great talent.

Note: Select roles may also be eligible for cash incentives or sales commissions. Eligibility for all compensation and benefits is governed by applicable plan terms.

Our Hiring Commitment: We believe interviewing is a two-way street. We’ve designed our hiring process to be transparent, respectful, and human. At every step, you’ll have space to showcase your strengths, ask tough questions, and discover if Openly is the right place for your next chapter.

U.S. Citizens, Green Card Holders, and those authorized to work in the U.S. for any employer and currently residing in the US will be considered.

Openly is committed to equal employment opportunity and non-discrimination for all employees and qualified applicants without regard to a person's race, color, sex, gender identity or expression, age, religion, national origin, ancestry, ethnicity, disability, veteran status, genetic information, sexual orientation, marital status, or any characteristic protected under applicable law. Openly is an E-Verify Employer in the United States. Openly will make reasonable accommodations for qualified individuals with known disabilities under applicable law.

We strive to provide an exceptional applicant and candidate journey when you engage with us. In an effort to respond to applicants in a timely manner, we leverage AI to organize applications and resumes based on required and applicable skills and experience. To allow our applicants to drive their initial interview experience with us, we may leverage an AI-supported scheduling tool so you can choose when to meet with our team. While AI assists with efficiency, all hiring decisions are made by our team members. Rest assured, your data is protected according to privacy laws and company policies. Contact our recruitment team with any questions about our AI-assisted hiring process.