Property Claims 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.

Job Details 

The Property Claims Adjuster is a core individual contributor role within Openly’s Property Claims organization, responsible for managing homeowner property claims from first notice of loss through resolution. This position demands a combination of technical claims expertise, strong customer focus, and meticulous attention to detail; someone who can investigate losses thoroughly, produce accurate estimates, and deliver a superior policyholder experience at every touchpoint. The ideal candidate handles every file with integrity, approaches policyholders and claimants with genuine empathy, remains curious about coverage and causation, partners effectively with vendors and teammates, and brings urgency to resolving every claim.

Key Responsibilities

Claim Investigation & Coverage Analysis:

• Manage end-to-end property claim handling from first notice of loss through closure, including supplements, ensuring timely and accurate resolution.

• Conduct thorough investigations including review of policy terms, coverage analysis, and determination of liability.

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

• Determine the appropriate method of inspection (virtual, field, or third-party) based on claim complexity and circumstances.

• Conduct virtual inspections using video, AI-assisted tools, and other emerging technology platforms.

Estimating & File Documentation:

• Complete accurate property damage estimates using Cotality estimating software, adhering to established standard practices. 

• 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:

• Proactively handle claims with a commitment to timeliness and exceeding expectations.

• Provide superior customer service to policyholders, claimants, and agents throughout the claims process.

• Discuss claim status and provide regular updates to insureds, claimants, agents, and leadership, always maintaining clear and professional communication.

• Negotiate settlement of claims with insureds, claimants, and vendors with fairness and professionalism.

• Remain logged into phone queues to assist customers and respond promptly to inbound inquiries.

Vendor & Partner Collaboration:

• Manage and collaborate with vendor partners including contractors, independent adjusters, engineers, and other service providers. 

• Partner with internal functions — including SIU, Subrogation, Legal, and Underwriting — to drive aligned claim outcomes. 

Continuous Improvement & Team Contribution:

• Provide input and ideas for continuous process improvement, identifying opportunities to enhance efficiency and claim quality. 

• Work CAT hours during storm events or periods of high claim volume as needed. 

• Support a collaborative team environment and contribute to a culture of accountability, learning and improvement.

Requirements 

• 8+ years of property adjusting claims experience and customer service

• Experience writing estimates in Cotality, Xactimate, or a comparable platform

• Experience writing estimates using information provided by field inspections, not only reviewing field adjuster estimates

• 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

• Proficiency in Microsoft and Google productivity tools 

• Excellent written and verbal communication skills

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

• Strong negotiation and problem-solving skills 

• Ability to work from home without distraction 

• Tech-savvy with comfort using high-end technology tools for adjusting (virtual inspections, estimating platforms, etc.)

• Ability to work effectively both independently and within a fast-paced team environment

• Comfortable with constant change, adaptability, and flexibility in a rapidly growing company

Preferred Qualifications

• MST & PST timezones

• Experience with virtual inspection tools and AI-assisted claims platforms

• Exposure to catastrophe (CAT) claim operations

• 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

• CCP, CPCU, AIC or other relevant professional designation

Work Environment

This is a full-time, exempt position. Openly operates in a remote-first environment. Regular availability during core business hours is expected. Occasional extended hours may be required during CAT events or periods of elevated claim volume.

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.