Senior Property Claims Specialist

Job Title: Senior Property Claims Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

About the Role

We are seeking an experienced Senior Property Claims Specialist to manage and oversee property insurance claims from initial notification through investigation, assessment, settlement, and closure. The successful candidate will evaluate property damage documentation, review loss assessments, interpret policy coverage, coordinate with loss adjusters and repair specialists, and ensure claims are resolved accurately and efficiently. This fully remote role focuses on claims analysis, technical documentation review, settlement coordination, risk evaluation, and virtual stakeholder management.

Key Responsibilities

• Oversee property insurance claims involving residential, commercial, industrial, and other insured properties.
• Review claim notifications, incident reports, photographs, invoices, repair estimates, and supporting documentation.
• Verify policy coverage, insured property details, policy validity, exclusions, deductibles, and applicable limits.
• Assess claims arising from fire, flooding, water damage, storms, accidental damage, theft, vandalism, and other insured events.
• Review loss adjuster reports, property damage assessments, contractor quotations, and repair recommendations.
• Evaluate the extent of reported damage and determine whether submitted costs are consistent with the available evidence.
• Coordinate remotely with loss adjusters, surveyors, contractors, property managers, brokers, policyholders, and internal departments.
• Investigate complex, high-value, disputed, and potentially fraudulent property claims.
• Review policy conditions, warranties, exclusions, endorsements, and other contractual provisions relevant to claim decisions.
• Assess repair costs, replacement values, depreciation, reinstatement expenses, and applicable settlement calculations.
• Monitor claim reserves, outstanding liabilities, settlement progress, and recovery opportunities.
• Coordinate with legal teams and recovery specialists on subrogation, third-party liability, and disputed claims.
• Identify unusual loss patterns, inconsistent documentation, inflated repair costs, and potential fraud indicators.
• Manage escalated claims, customer complaints, reconsiderations, and settlement disputes.
• Prepare clear claims assessments, decision summaries, settlement recommendations, and supporting reports.
• Maintain accurate claims records, correspondence, investigation notes, and audit trails within approved systems.
• Monitor claims turnaround times, service-level agreements, outstanding documentation, and overall case performance.
• Support internal audits, regulatory reviews, and claims quality assurance activities.
• Recommend improvements to claims procedures, cost management, investigation standards, and operational controls.
• Provide technical guidance and mentoring to junior property claims specialists.

Qualifications and Experience

• Bachelor's degree in Insurance, Finance, Business Administration, Property Management, Construction Management, Risk Management, or a related discipline.
• Significant professional experience in property insurance claims, claims assessment, loss adjusting, or insurance operations.
• Strong understanding of property insurance policies, coverage provisions, exclusions, deductibles, and settlement procedures.
• Experience handling residential, commercial, and industrial property claims.
• Knowledge of property damage assessment, reinstatement costs, repair estimates, building materials, and construction-related expenses.
• Familiarity with claims involving fire, water damage, flooding, weather events, theft, and accidental property damage.
• Experience reviewing loss adjuster reports, technical assessments, contractor quotations, and supporting evidence.
• Understanding of claims investigation, liability assessment, subrogation, and recovery procedures.
• Knowledge of fraud detection, claims risk controls, and dispute resolution processes.
• Familiarity with insurance claims management platforms, document management systems, and reporting applications.
• Proficiency in Microsoft Excel and claims analysis tools.
• Strong analytical skills and the ability to interpret complex policy wording and technical documentation.
• Excellent written and verbal communication skills for coordinating with customers, brokers, adjusters, and service providers.
• High attention to detail, sound judgment, and strong organizational capabilities.
• Ability to manage multiple complex claims and competing deadlines in a fully remote environment.
• Relevant professional qualifications, such as ACII, CII, or recognized loss adjusting and property claims certifications, are an advantage.

What We Offer

• A fully remote, work-from-home position within the UAE employment context.
• Competitive compensation based on qualifications and relevant professional experience.
• Opportunities to manage complex property claims and contribute to claims quality improvement.
• Professional development in property insurance, claims investigation, loss assessment, and risk management.
• A collaborative working environment focused on accuracy, fairness, customer service, and continuous improvement.

How to Apply

Interested candidates should submit an updated CV highlighting their experience in property insurance claims, damage assessment, policy interpretation, loss adjusting coordination, and settlement management.

Application Subject: Application – Senior Property Claims Specialist (UAE Remote)

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. This position is designed for remote claims assessment, documentation review, settlement coordination, reporting, and virtual stakeholder communication. Physical property inspections, site surveys, and hands-on damage assessments must be conducted by qualified local personnel. Formal legal determinations, regulated insurance decisions, and official regulatory submissions must be handled or approved by appropriately authorized professionals where required by applicable law.