Senior Claims Adjuster

HUB International • Bozeman, MT

1d • $85,000 - $100,000

About The Position

Proper Insurance, a Managing General Agent and division of SPG with full claims handling authority, provides commercial insurance designed for short-term rental properties. The Senior Claims Adjuster manages a caseload of property claims weighted toward complex coverage disputes, large losses, and litigated claims. The role works with a high degree of independence, serves as an authority on Proper’s property coverage forms, and mentors less-experienced adjusters, escalating only genuinely novel or precedent-setting issues.

Requirements

• At least 5 years of property claims adjusting experience, including demonstrated experience with coverage disputes, large losses, or litigated files.
• Deep working knowledge of residential or short-term-rental-specific property coverage forms.
• Advanced Xactimate proficiency, including custom macros and 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.

Nice To Haves

• Experience with short-term rental, habitational, or specialty commercial property lines.

Responsibilities

• Independently analyze complex and disputed coverage scenarios across Proper’s short-term-rental property coverage forms.
• Identify coverage gaps and exposures that less-experienced adjusters may miss.
• Explain complex or unwelcome coverage determinations to insureds clearly and empathetically.
• Manage a caseload weighted toward high-complexity, large-loss, and litigation files, including specialty files beyond the core diary when appropriate.
• Make most claim decisions autonomously and escalate only genuinely novel or precedent-setting issues.
• Build and validate advanced Xactimate estimates using custom macros, profiles, and sketch tools; provide peer review for less-tenured adjusters.
• Serve as a point of contact for insureds navigating difficult or high-stakes claims, elevate the customer experience, and independently de-escalate disputes.
• Model the communication standard expected of the team.
• Create exemplary, defense-ready file documentation that clearly articulates coverage positions.
• Maintain compliance and advise on emerging regulatory issues.
• Investigate complex property claims and preserve subrogation rights.
• Coach and mentor less-tenured adjusters on file handling, documentation, and difficult conversations.

Benefits

• Structured training, licensing support, and ongoing development opportunities.
• 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.
• Collaborative, high-performing culture, community impact through HUB Gives, and room for career growth.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed