Senior Claims Adjuster

Hub International; Bozeman (MT); On-site; USD 85,000 - 100,000; Full time

Benefits offered by this job

Health benefits

Retirement matching

Life and disability plans

Paid time off

Parental leave

Wellbeing program

Job summary

HUB International is seeking a Senior Claims Specialist to manage a caseload of high-complexity property claims, with emphasis on coverage disputes, large losses and litigated files. You’ll operate with autonomy, serve as a trusted advisor, and mentor less-experienced adjusters.

We value independent analysis, defense-ready documentation, and proactive subrogation work, while delivering an exceptional insured experience.

Qualifications

• 5+ years of property claims adjusting experience, including 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.

Responsibilities

• Analyze complex and disputed coverage scenarios across STR property coverage forms.
• Own high-complexity claims including large losses and litigation files.
• Build and validate Xactimate estimates and provide peer review for junior adjusters.

Skills

Property claims

Coverage disputes

Large losses

Litigation files

Written communication

Mentoring

Autonomy

Communication with insureds

Tools

Xactimate

Job description

A path for every ambition. At HUB, we believe the best work happens when people are given real space to grow and then given the autonomy to exercise it. We power progress and protect ambition: for the clients who count on us, and equally for the people who make that possible every day. We’re creative thinkers and determined doers, guided by values that show up in how we work together: with empathy, adaptability, accountability and a genuine commitment to one another’s success. We foster bold ideas, celebrate curiosity and share what we know. Because when people grow, the work they do grows with them. Our purpose is deeply human: to help people navigate the world on their terms, at their speed, toward their future. We hold that same commitment to the people building careers here. Whether you’re starting out or leveling up, you’ll find the resources to evolve, the support to take on more and a team ready to back you at every stage. Your ambition has a home here.

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 Do

Coverage 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; escalating 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

Compensation

The 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 you

We 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 difference

HUB 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.

Equal Employment Opportunity

HUB International Limited is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.

Reasonable Accommodations

HUB International Limited is committed to providing reasonable accommodations to qualified individuals with disabilities throughout the application and hiring process. If you need a reasonable accommodation to access your career site, complete an application, or participate in any part of the hiring process or participation, please contact the recruiting team at [e-mail]. This contact information is for accommodation requests only and should not be used to inquire about the status of an application.

E-Verify

HUB International Limited participates in E-Verify. Please refer to Our Recruiting Process | Applicant Notices: E-Verify Program for additional information.

SPG was founded in 2015 with the singular purpose of building a world-class specialty insurance intermediary by acquiring best-in-class underwriting and specialty businesses and providing the resources they needed to grow. Our goal is to partner with industry-leading specialty businesses to provide them with the ability to achieve their goals and optimize their businesses. Specialty Program Group offers access to capital and investment, deep carrier relationships, creative thinking, product development and broad distribution, while allowing our businesses to maintain the essence of what makes them successful. Specialty Program Group delivers leading-edge specialty expertise backed by transformative digital capabilities and sophisticated data and analytics.