About Openly

Openly is transforming insurance by rethinking the customer experience from the ground up. The company is building a fast-growing team of thoughtful, collaborative, and driven professionals across technology, data science, product, marketing, sales, service, claims, finance, and more.

What makes Openly different

Openly was created to close the gap in the market for premium insurance that is simple to understand and competitively priced. The company focuses on giving customers broader protection and a better overall experience.

• Pricing: Advanced data and technology are used to deliver competitive, customizable pricing that helps protect valuable assets.
• Coverage: Policies are flexible and can be tailored to individual protection needs, including standard coverages and optional add-ons.
• Experience: The company aims to improve the home insurance journey through responsive service and tailored claims handling.

Culture and values

Openly places strong value on its people and believes collaboration, communication, and work-life balance are essential. The company looks for candidates who demonstrate integrity, empathy, teamwork, curiosity, and urgency.

Commitment to inclusion

The organization supports diversity, equity, and inclusion and values teams made stronger by different backgrounds, identities, and experiences.

Role overview

The Property Claims Adjuster is an individual contributor role in Openly’s Property Claims team. The position involves handling homeowner property claims from the first notice of loss through final resolution. Success in this role requires technical claims expertise, strong customer focus, careful documentation, and the ability to investigate losses thoroughly, prepare precise estimates, and create an excellent experience for policyholders.

The ideal candidate works with honesty, shows empathy to policyholders and claimants, stays curious about coverage and cause of loss, partners well with vendors and teammates, and moves claims forward with urgency.

Key responsibilities

You will manage property claims end to end, perform investigations and coverage analysis, create estimates, communicate with all parties, and work with internal and external partners to reach fair and timely claim outcomes.

Claims handling and investigation

• Manage property claims from first notice of loss through closure, including supplements, while keeping the process timely and accurate.
• Investigate each claim thoroughly by reviewing policy language, evaluating coverage, and determining liability.
• Identify possible subrogation opportunities and spot signs of potential fraud.
• Choose the best inspection approach based on claim complexity, whether virtual, field-based, or through a third party.
• Use video tools, AI-assisted solutions, and other emerging platforms to complete virtual inspections.

Estimating and documentation

• Prepare accurate property damage estimates using Cotality estimating software and established standards.
• Maintain complete file notes and documentation, including coverage letters, estimates, activity logs, and settlement records.
• Follow reserving best practices and update reserves appropriately throughout the claim lifecycle.

Customer communication and service

• Handle claims proactively with a strong focus on speed and quality.
• Deliver high-quality service to policyholders, claimants, and agents throughout the claims process.
• Keep insureds, claimants, agents, and leadership informed with clear, professional, and timely updates.
• Negotiate settlements with insureds, claimants, and vendors in a fair and professional manner.
• Remain available in phone queues to assist customers and respond quickly to inbound questions.

Vendor and internal collaboration

• Coordinate with vendor partners such as contractors, independent adjusters, engineers, and other service providers.
• Work closely with internal teams including SIU, Subrogation, Legal, and Underwriting to support aligned claim decisions.

Process improvement and team contribution

• Share ideas that improve efficiency, quality, and overall claims operations.
• Support CAT response efforts and be available for extended hours during storm events or periods of high claim volume.
• Contribute to a team culture built on accountability, learning, and continuous improvement.

Work arrangement

This is a full-time, exempt role in a remote-first environment. Regular availability during core business hours is expected, and occasional extended hours may be required during catastrophe events or periods of elevated claim volume.

Compensation

The budgeted salary range for this role is USD 70,000 to 90,000. The full salary range is USD 60,750 to 112,250. Final pay will depend on the candidate’s experience, skills, and qualifications.

Benefits and perks

• Remote-first working culture
• Competitive salary and equity
• Medical, dental, and vision coverage options
• Life and disability insurance, including voluntary options
• Up to 8 weeks (320 hours) of paid parental leave, subject to eligibility requirements
• 3% company contribution to the 401(k), even if the employee does not contribute
• USD 1,500 home office stipend
• USD 2,000 annual professional development fund
• USD 50 per month wellness allowance
• Paid volunteer service hours
• Referral program with rewards

Eligibility and work authorization

Only U.S. citizens, Green Card holders, and individuals currently living in the United States who are authorized to work for any employer will be considered.

Equal opportunity and hiring process

Openly is an equal opportunity employer and does not discriminate on the basis of race, color, sex, gender identity or expression, age, religion, national origin, ancestry, ethnicity, disability, veteran status, genetic information, sexual orientation, marital status, or any other protected characteristic. The company is an E-Verify employer in the United States and will provide reasonable accommodations for qualified individuals with disabilities as required by law.

Openly also uses AI tools to organize applications and resumes based on relevant skills and experience, and may use AI-supported scheduling tools to help candidates choose interview times. Hiring decisions are made by company team members, and candidate data is protected under applicable privacy laws and company policies.

Additional compensation notes

Depending on the role, employees may be eligible for cash incentive compensation, including commissions for sales-eligible positions. Eligibility for compensation and benefits is always subject to applicable plan and policy terms.

Responsibilities

• Handle homeowner property claims from first notice of loss through closure, including supplements.
• Investigate losses by reviewing policy terms, assessing coverage, and determining liability.
• Identify possible subrogation paths and potential fraud concerns.
• Select the right inspection method based on the claim’s complexity and circumstances.
• Perform virtual inspections using video, AI-assisted tools, and related technology.
• Build accurate estimates with Cotality estimating software.
• Keep files fully documented with letters, estimates, notes, and settlement records.
• Maintain reserves throughout the life of the claim following reserving standards.
• Provide timely updates and strong service to policyholders, claimants, agents, and leadership.
• Negotiate settlements fairly and professionally.
• Stay active in phone queues and respond quickly to customer inquiries.
• Coordinate with contractors, independent adjusters, engineers, and other vendors.
• Partner with SIU, Subrogation, Legal, and Underwriting as needed.
• Contribute ideas for better processes, quality, and efficiency.
• Work extended CAT hours during storms or other high-volume periods when required.

Requirements

• At least 8 years of property adjusting claims experience and customer service experience.
• Experience preparing estimates in Cotality, Xactimate, or a similar platform.
• Experience creating estimates from field inspection information, not only reviewing estimates prepared by field adjusters.
• Active adjuster license(s), or the ability to obtain all required licenses, with ongoing licensure maintained as a condition of employment.
• Background in a remote or hybrid claims environment.
• Strong command of Microsoft and Google productivity tools.
• Excellent written and spoken communication skills.
• Strong organization, time management, and multitasking ability.
• Solid negotiation and problem-solving skills.
• Ability to work from home without distractions.
• Comfort using advanced claims technology such as virtual inspection tools and estimating platforms.
• Ability to work independently and as part of a fast-paced team.
• Flexibility and adaptability in a rapidly growing business.

Preferred qualifications

• Experience with virtual inspection tools and AI-assisted claims platforms.
• Exposure to catastrophe claim operations.
• History of contributing to process improvement.
• Familiarity with MacBook devices and Google Suite in claims work.
• Bachelor’s degree or an equivalent mix of education and experience.
• CCP, CPCU, AIC, or another relevant professional designation.

Perks & benefits

• Remote-first culture with strong support for remote work.
• Equity opportunity along with competitive pay.
• Comprehensive health coverage options.
• Life and disability protection, plus optional add-ons.
• Paid parental leave for up to 8 weeks, subject to eligibility.
• 3% employer contribution to the 401(k).
• USD 1,500 to set up a home workspace.
• USD 2,000 each year for professional development.
• USD 50 monthly wellness support.
• Paid volunteer hours.
• Referral rewards program.