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.
We are looking for an experienced Senior Claims Specialist to manage a caseload of property claims weighted toward higher-complexity files - coverage disputes, large losses, and litigated claims. You'll operate with a high degree of independence, acting as a trusted authority on Proper's property coverage forms and a mentor to adjusters earlier in their careers, escalating only when a file is genuinely novel or precedent-setting.
What You'll DoCoverage Analysis & Investigation- Independently analyze complex and disputed coverage scenarios across Proper's STR property coverage forms
- Identify coverage gaps and exposure that less-experienced adjusters may miss
- Explain complex or unwelcome coverage determinations to insureds clearly and with empathy
File Management & Resolution- Own a caseload of property claims weighted toward high-complexity, large-loss, and litigation files, with latitude to carry specialty files beyond your core diary
- Act autonomously on the large majority of claim decisions; escalate only genuinely novel or precedent-setting issues
- Build and validate advanced Xactimate estimates (custom macros, profiles, sketch tools) and provide peer review for less-tenured adjusters
Customer Experience- Serve as the point of contact for insureds navigating difficult or high-stakes claims - elevating the experience and de-escalating disputes independently
- Model the communication standard the rest of the team is coached toward
Compliance & Audit Readiness- Produce exemplary, defense-ready file documentation that clearly articulates coverage positions
- Maintain a zero-miss compliance record and advise on emerging regulatory issues
Subrogation & Mentorship- Proactively investigate and preserve subrogation rights on complex property claims
- Coach and mentor less-tenured adjusters on file handling, documentation, and difficult conversations
What We're Looking For- 5+ years of property claims adjusting experience, including demonstrated experience with coverage disputes, large losses, or litigated files
- Deep working knowledge of residential or STR-specific property coverage forms
- Advanced proficiency with Xactimate, including custom macros/profiles and sketch tools
- Strong written communication skills and a track record of audit-ready documentation
- Demonstrated autonomy and sound judgment on complex claim decisions
- Experience mentoring, coaching, or peer-reviewing other adjusters
- Active adjuster license(s) as required by jurisdiction
- Experience with short-term rental, habitational, or specialty commercial property lines is a plus
CompensationThe expected salary range for this position is $85,000 to $100,000 and will be impacted by factors such as the successful candidate's skills, experience and working location, as well as the specific position's business line, scope and level.
What we offer youWe invest in your growth. HUB offers structured training, licensing support and ongoing development opportunities designed to accelerate your career.
- Competitive pay with comprehensive health benefits, retirement savings matching and company-paid life and disability plans
- Generous paid time off, paid parental leave and a wellbeing program designed to support real work/life balance
- A collaborative, high-performing culture with meaningful engagement, community impact through HUB Gives and genuine room to grow your career
The HUB differenceHUB International is one of North America's largest insurance brokers, delivering risk management, insurance, employee benefits, retirement and wealth management solutions to businesses and individuals across the United States and Canada - through locally led teams backed by national expertise, giving you the agility of a local partner and the reach of a global organization.
