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Sr. Claims Examiner
SafePoint Insurance CompanyUnited StatesRemotefull_timeVerifiedPosted 29 Jun 2026
About the role
Job Summary
The Senior Claims Examiner is a remote position responsible for handling daily residential and commercial property insurance claims, catastrophe (CAT) claims, and complex claims across our operating territories in Florida, Louisiana, and Texas. This role requires a seasoned claims professional with a thorough understanding of policy coverages, strong investigative skills, and the ability to manage claims from first notice of loss through resolution while adhering to state-specific compliance requirements and company claims handling guidelines.
Duties and Responsibilities
Qualifications
The Senior Claims Examiner is a remote position responsible for handling daily residential and commercial property insurance claims, catastrophe (CAT) claims, and complex claims across our operating territories in Florida, Louisiana, and Texas. This role requires a seasoned claims professional with a thorough understanding of policy coverages, strong investigative skills, and the ability to manage claims from first notice of loss through resolution while adhering to state-specific compliance requirements and company claims handling guidelines.
Duties and Responsibilities
- Handle daily residential and commercial property claims, CAT claims, and complex claims across Florida, Louisiana, and Texas in accordance with state regulatory requirements and company guidelines.
- Investigate claims thoroughly to confirm cause of loss, determine coverage based on applicable policy terms and conditions, and identify when a field adjuster, independent adjuster, or other expert is needed.
- Review and analyze repair estimates to determine what is covered, reasonable, and consistent with the scope of loss; negotiate settlements accordingly within authority level.
- Prepare and issue coverage determination letters, reservation of rights letters, denial letters, follow-up correspondence, and response letters in a professional and timely manner.
- Conduct thorough recorded statements from insureds, claimants, and witnesses as appropriate during the claims investigation process.
- Maintain proper reserves throughout the lifecycle of each claim, adjusting as new information is obtained.
- Collaborate with field adjusters, independent adjusters, and contractors; provide clear directions and establish productive working relationships.
- Handle claims involving attorney representation and public adjusters professionally, including responding to demands and ability to negotiate favorable resolutions.
- Communicate coverage decisions clearly and effectively to all parties, both verbally and in writing.
- Investigate and pursue subrogation opportunities; understand and manage liability-related claims.
- Maintain accurate, thorough, and timely claim file documentation within the claims management system (CMS).
- Work with defense counsel on litigated files and manage associated legal expenses.
- Deliver exceptional customer service through professional and timely communication via phone, email, and written correspondence.
- Other tasks and projects as may be assigned consistent with the responsibilities of this role.
Qualifications
- Minimum of 5 years of experience handling residential and commercial property and casualty insurance claims, including daily claims, CAT claims, and complex claims, with demonstrated proficiency in the duties outlined above.
- Florida All Lines Adjuster (620) License required; multi-state licensure preferred.
- Associate’s degree minimum; Bachelor’s degree preferred; or an equivalent combination of education and directly related claims experience.
- Strong knowledge of residential and commercial property insurance policy language, coverages, and endorsements, coverages, and exclusions.
- Proven ability to review and analyze repair estimates and understand what is covered, reasonable, and appropriate.
- Excellent letter writing skills with experience preparing coverage letters, denial letters, reservation of rights letters, and response correspondence.
- Ability to conduct professional and thorough recorded statements.
- Experience handling claims involving attorneys, public adjusters, and represented parties.
- Strong investigative skills with the ability to confirm cause of loss and identify when specialized expertise is required.
- Exceptional organizational skills with the ability to manage multiple claims simultaneously and meet deadlines.
- Excellent verbal and written communication skills with the ability to interact professionally with internal and external stakeholders.
- Knowledge of state-specific compliance requirements for Florida, Louisiana, and Texas.
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