Senior Property Claims Specialist

🏗 We're Hiring: Senior Property Claims Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Experience Level: Senior-Level

Work Arrangement: Fully Remote

About Us

We are a construction-focused organization committed to effective risk management, financial protection, regulatory compliance, and operational excellence. We value professionals who can assess property-related losses, manage complex insurance claims, and support accurate and timely settlement decisions.

The Role

We are seeking an experienced Senior Property Claims Specialist to manage property insurance claims involving buildings, construction projects, equipment, and other insured assets. The successful candidate will review policy coverage, investigate property damage, coordinate with loss adjusters and contractors, evaluate settlement amounts, and ensure compliance with insurance policies and applicable regulations.

Key Responsibilities

• Review, assess, and manage property insurance claims from notification through final settlement.
• Verify policy coverage, insured values, deductibles, exclusions, limits, and applicable endorsements.
• Investigate property damage caused by fire, flooding, storms, accidents, equipment failure, and other insured events.
• Review loss reports, photographs, repair estimates, invoices, engineering assessments, and supporting documentation.
• Coordinate with policyholders, brokers, loss adjusters, surveyors, contractors, and insurance providers.
• Evaluate repair and reinstatement costs, replacement values, and potential total-loss settlements.
• Assess claims involving commercial properties, construction sites, buildings, and business interruption where applicable.
• Identify discrepancies, unsupported expenses, exaggerated losses, and potential fraudulent claims.
• Negotiate settlements and recommend claim payments within delegated authority.
• Monitor outstanding claims, investigation progress, reserves, and settlement timelines.
• Maintain accurate claim files, correspondence, assessment reports, and financial records.
• Collaborate with legal, underwriting, finance, risk management, and customer service teams.
• Ensure compliance with applicable insurance regulations, contractual obligations, and internal claims procedures.
• Prepare claims performance reports, loss analysis, and management summaries.
• Identify recurring loss patterns and recommend risk mitigation and claims process improvements.
• Support audits, disputed claims, litigation preparation, and complex claims investigations.
• Provide guidance to junior claims specialists and promote consistent claims assessment standards.

Qualifications and Experience

• Bachelor's degree in Insurance, Risk Management, Finance, Engineering, Construction Management, or a related field.
• Significant experience in property insurance claims, loss assessment, or commercial claims management.
• Strong understanding of property insurance policies, coverage interpretation, exclusions, deductibles, and settlement procedures.
• Experience reviewing repair estimates, engineering reports, and property damage assessments.
• Knowledge of construction-related risks, reinstatement costs, and business interruption claims is an advantage.
• Familiarity with UAE insurance regulations and claims-handling practices is preferred.
• Proficiency in Microsoft Office and insurance claims management systems.
• Strong analytical, investigative, negotiation, and problem-solving skills.
• Excellent written and verbal communication skills.
• Relevant insurance or loss-adjusting qualifications are an advantage.

Key Performance Indicators (KPIs)

• Accuracy and timeliness of claims assessments and settlements.
• Average claim resolution turnaround time.
• Accuracy of reserve estimates and settlement calculations.
• Reduction in outstanding claims and processing delays.
• Compliance with policy terms and regulatory requirements.
• Quality of claim documentation and audit outcomes.
• Effectiveness of loss mitigation and dispute resolution.

What We Offer

• Remote working opportunities, subject to operational requirements.
• Competitive compensation based on experience and qualifications.
• Professional development and industry certification opportunities.
• Collaborative working environment with insurance, engineering, and risk management professionals.
• Opportunities to improve claims performance and property risk management.

How to Apply

• Interested candidates are encouraged to submit their updated CV highlighting experience in property insurance claims, damage assessment, loss adjusting, settlement negotiation, and commercial property risk management.