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

The Senior Property Claims Specialist is responsible for reviewing, assessing, coordinating, and monitoring property insurance claims involving residential, commercial, industrial, and other insured assets. The role focuses on policy coverage interpretation, damage documentation review, loss assessment coordination, reserve analysis, settlement recommendations, and claims dispute support. Working remotely, the specialist collaborates with policyholders, brokers, loss adjusters, surveyors, repair contractors, insurers, and internal stakeholders to ensure claims are handled accurately, consistently, and within established service standards. Physical property inspections and on-site investigations are performed by qualified local professionals.

Key Responsibilities

• Review and assess property insurance claims involving buildings, contents, equipment, machinery, and other insured assets.
• Interpret policy wording, endorsements, exclusions, deductibles, coverage limits, warranties, and applicable conditions.
• Verify policy validity, insured interests, coverage periods, declared values, and relevant premium information.
• Examine claim submissions, incident reports, photographs, repair estimates, invoices, and supporting documentation.
• Coordinate with independent loss adjusters, surveyors, engineers, restoration contractors, and other technical specialists to obtain assessment reports.
• Review property damage assessments and evaluate the reasonableness of proposed repair or replacement costs.
• Analyze reported causes of loss, including fire, water damage, storms, accidental damage, theft, and other insured events.
• Assess business interruption documentation, financial records, and loss calculations where applicable.
• Review reinstatement costs, depreciation, salvage values, and other factors affecting claim valuation.
• Identify coverage concerns, policy breaches, documentation inconsistencies, and potential fraud indicators.
• Evaluate claims involving underinsurance, average clauses, contribution, subrogation, and recovery opportunities.
• Prepare structured claims assessments, technical summaries, reserve recommendations, and settlement proposals.
• Monitor claim progress, outstanding documentation, assessment timelines, and service-level requirements.
• Coordinate complex, high-value, disputed, and escalated claims with legal, compliance, underwriting, and management teams.
• Support communication with policyholders, brokers, and service providers regarding claim requirements and progress.
• Maintain complete digital claims files, correspondence records, assessment notes, and audit trails.
• Analyze claims trends, recurring loss causes, settlement patterns, and cost drivers.
• Recommend improvements to claims procedures, quality controls, documentation standards, and operational reporting.

Qualifications and Experience

• Bachelor's degree in Insurance, Risk Management, Finance, Engineering, Construction Management, or a related discipline.
• Significant experience in property insurance claims, loss assessment coordination, or insurance claims operations.
• Strong understanding of property insurance policies, coverage provisions, exclusions, deductibles, and settlement methodologies.
• Experience reviewing property damage reports, engineering assessments, repair estimates, and loss-adjustment documentation.
• Knowledge of building construction, property reinstatement, repair costing, and asset valuation principles.
• Familiarity with fire, water damage, business interruption, and other common property loss scenarios.
• Understanding of underinsurance, average clauses, salvage, subrogation, and recovery processes.
• Familiarity with UAE insurance practices and applicable regulatory requirements is an advantage.
• Strong analytical, numerical, investigative, and report-writing skills.
• Experience using digital claims management platforms, policy administration systems, and document management tools.
• Ability to manage complex claims and prepare clear, evidence-based recommendations.
• Excellent communication and stakeholder coordination skills.
• High attention to detail and strong organizational skills.
• Ability to handle confidential financial, commercial, and personal information responsibly.
• Ability to work independently and collaborate effectively in a fully remote environment.

What We Offer

• Fully remote working arrangement within the stated UAE-based role framework.
• Opportunity to manage diverse property claims across residential, commercial, and industrial insurance portfolios.
• Collaboration with experienced insurance, engineering, risk, and loss-adjustment professionals.
• A structured environment focused on technical accuracy, fair claims assessment, and service quality.
• Opportunities for professional development in property insurance and claims management.

How to Apply

Interested candidates should submit an updated CV highlighting their property insurance claims experience, policy interpretation skills, and knowledge of property damage assessment and settlement processes.

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

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. Physical property inspections, site measurements, engineering investigations, and repair verification must be performed by qualified local personnel. Formal claims approvals, regulated insurance decisions, and binding settlement authorizations must be completed by appropriately authorized personnel in accordance with applicable requirements and internal delegation frameworks.