Senior Underwriter, High Value Homes

Swyfft; United States; Remote; USD 120,000 - 180,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401K with company match

20 days PTO

Holidays

Company paid disability

Life & AD&D

HSA/FSA

Job summary

Swyfft is seeking an experienced Homeowner Underwriter to assess high value and luxury home risks, review applications, inspections, and valuation data, and issue sound policy determinations in line with carrier requirements. This 100% remote U.S.

based role requires 5+ years in HVH underwriting, knowledge of replacement cost tools such as 360Value or e2Value, and the ability to collaborate with agents and internal teams while delivering accurate, timely decisions.

Qualifications

• 5+ years of underwriting experience with high value or high net worth homeowners risks.
• Knowledge of replacement cost estimating tools (360Value/e2Value) and catastrophe exposures (wind/wildfire/flood).
• Producer license is preferred but not required; CPCU/AINS/CPIA are a plus.

Responsibilities

• Assess risks using submission data, inspections, and valuation data for high value homes.
• Evaluate replacement cost estimates and insurance-to-value for luxury properties.
• Review protection and loss-mitigation features and recommend coverage accordingly.
• Communicate eligibility and underwriting requirements to agents for new and renewal high value policies.
• Collaborate with internal teams on underwriting projects and guidelines.

Skills

Underwriting

HVH experience

Attention to detail

Independent decisions

Education

Bachelor’s degree

High School Diploma

Tools

360Value

e2Value

MS Office

MS Teams

Slack

Job description

At Swyfft, we're reshaping the way home insurance and commercial package products are priced and bound. We've created an insurance experience that's smart, instant, designed to deliver unparalleled customer service.

Our focus on lightning-fast quotes and seamless claims servicing is powered by cutting-edge technology and an Agent and Customer-centric approach that sets us apart in the industry.

Joining Swyfft means becoming part of a dynamic team of forward-thinkers who thrive on moving fast and delivering exceptional products. We pride ourselves on fostering an environment where creativity and positive energy thrive.

As we continue to grow and expand, we're on the lookout for experienced professionals like you to join us in transforming the insurance landscape. If you're passionate about leveraging technology to provide the best customer service experience and are ready to be a part of our journey, we welcome you to explore opportunities at Swyfft!

We’re

About the Position:

Our Homeowner Underwriters are the best of the best when it comes to assessing complex risks and making sound policy determinations. You will evaluate applications, inspections, and valuation data for high value and luxury homes, and take the appropriate action to underwrite these policies according to Swyfft's guidelines and carrier program requirements.

In this fast-paced position, you’ll bring the sound judgment that high-value risks demand while staying organized, prioritizing effectively, and thinking ahead. You’ll use your problem-solving skills and attention to detail to manage your day-to-day responsibilities and navigate challenges as they arise. This is a great opportunity to put your specialized HVH expertise to work while collaborating with a highly engaged team and growing alongside the company.

*This position is a 100% remote U.S. based opportunity that can be based in one of the following states only: AL, AZ, FL, GA, KY, LA, MA, MO, NC, NJ, NY, OH, OR, PA, SC, TX, UT, VA, WA, WI.

Some travel for day-to-day work, team meetings, and training will be required.

Key Responsibilities: (What you’ll be asked to do)

• Apply your underwriting expertise to assess risks using submission data, inspection reports, and aerial imagery, with particular attention to construction quality, roof condition, and exposure to wind, wildfire, and flood.
• Evaluate replacement cost estimates and insurance-to-value on high value dwellings, recognizing when custom construction, premium finishes, or unique architectural features call for a closer look at Coverage A limits.
• Review protection and loss-mitigation features such as central station alarms, water leak detection and automatic shutoff valves, backup generators, and wind or wildfire mitigation, and recommend or require them where appropriate.
• Build and sustain strong relationships with our agents by clearly communicating eligibility, coverage terms, and underwriting requirements for new and renewal high value policies. This involves regularly engaging with agents by phone and email to assist in risk assessment, gather essential information, and respond to their questions, often on complex or time-sensitive placements.
• Partner with internal team members on underwriting-related projects, including refining high value guidelines and sharing your expertise with fellow underwriters.

The Successful Candidate: (What we are looking for)

• You thrive in a metrics-driven work environment and understand the importance of getting the job done.
• You know how to work independently and make clear, well-reasoned decisions on large-limit risks, and you know when a risk should be referred.
• You are detail-oriented, organized, and can multi-task like nothing anyone has ever seen before.
• You understand what sets a high value home apart from a standard homeowners risk, from construction and valuation to the service expectations of affluent clients and their agents.
• Both internal (your peers) and external clients commend your excellent verbal and written communication skills and the timeliness of your follow-up.

Some Requirements: (What you will need to be successful)

• 5+ years of underwriting experience with high value or high net worth homeowners risks is required; experience in the Excess & Surplus (E&S) market is a plus.
• Working knowledge of replacement cost estimating tools (such as 360Value or e2Value) and of catastrophe exposures, including wind, wildfire, and flood.

Certifications or Licensing:

• Producer license preferred but not required.
• Professional designations such as CPCU, AINS, or CPIA are a plus.

Education:

• Bachelor’s degree or equivalent experience required.
• High School Diploma or its equivalent (GED) required.

Computer Skills:

• We’re an MS Office environment
• Experience using video and chat technology (MSTeams & Slack)

Other:

• Reliable high-speed internet connectivity required.
• Designated quiet work from home space.

Compensation for this position will vary based on skills, qualifications, and experience. Base compensation does not include bonuses or other incentives that the company may choose to pay at its sole discretion.

In addition to base compensation Swyfft offers a comprehensive benefit package.

We Have a Great Benefits Package!

• Medical, Dental, and Vision
• Short- and Long-Term Disability (Company Paid)
• Voluntary Long-Term Disability
• Employee Life & AD&D (Company Paid)
• Voluntary Employee, Spouse, and Child Life & AD&D
• Healthcare, Dependent Care and Transit FSA, and Healthcare Savings Account (HSA)
• 401K with a generous matching contribution and no vesting schedule
• 20 days of PTO annually (prorated based on hire date)
• Company Paid Holidays and 2 "Choose Your Own Holidays"

It is the policy of Swyfft to provide equal employment opportunities to all employees and applicants for employment without regard to race, religion, color, ethnic origin, gender, gender identity, age, marital status, veteran status, sexual orientation, disability, or any other basis prohibited by applicable federal, state, or local law. EOE/AA/M/D/V/F.

If you require accommodations during the application or interview, please contact Human Resources at [e-mail], and we will make every effort to accommodate your needs.

Please Note: Swyfft Holdings, LLC does not accept 3rd party agency resumes for this position, please do not forward resumes to our career's email address or Swyfft Holdings, LLC employees. Swyfft Holdings, LLC will not be responsible for any fees related to unsolicited resumes.