Senior Property Claims Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

We are seeking an experienced Senior Property Claims Specialist to oversee and support property insurance claims administration, documentation review, loss assessment coordination, and claims performance monitoring. This role focuses on evaluating property damage documentation, reviewing policy coverage, analyzing repair and reinstatement estimates, coordinating with loss adjusters and other stakeholders, and supporting accurate and timely claims processing.

The successful candidate will have strong knowledge of property insurance products, claims procedures, policy conditions, and property loss documentation. Working fully remotely, the specialist will collaborate with insurers, policyholders, brokers, contractors, surveyors, loss adjusters, legal representatives, and internal departments to support effective claims handling and service quality.

• Review property insurance claims involving fire, water damage, storms, flooding, theft, accidental damage, business interruption, and other insured events.
• Examine claim forms, incident reports, photographs, invoices, repair estimates, survey reports, and other supporting documentation.
• Verify policy coverage, insured property details, sums insured, deductibles, exclusions, endorsements, and applicable policy conditions.
• Analyze repair, restoration, and reinstatement estimates for consistency with documented damage and applicable policy provisions.
• Review loss adjuster reports, technical assessments, and supporting evidence to identify discrepancies or missing information.
• Coordinate with policyholders, brokers, insurers, contractors, surveyors, loss adjusters, and third-party administrators.
• Monitor claims processing workflows, outstanding documentation, service levels, and settlement timelines.
• Support the review of business interruption claims, including submitted financial records and supporting loss calculations.
• Identify unusual claims patterns, potential misrepresentation, inconsistencies, and indicators of suspected fraud, escalating cases through established procedures.
• Prepare claim summaries, assessment documentation, case recommendations, and supporting reports for authorized decision-makers.
• Coordinate claims queries, reconsideration requests, and dispute-related documentation.
• Maintain accurate digital claims files, correspondence, assessment records, and audit trails.
• Prepare claims performance reports, loss trend analysis, cost summaries, and operational dashboards.
• Identify opportunities to improve claims handling procedures, documentation quality, processing efficiency, and customer service.
• Support internal and external audits by compiling evidence, reviewing records, and tracking corrective actions.
• Monitor changes in property insurance regulations, claims practices, and applicable UAE insurance requirements.

• Bachelor's degree in Insurance, Finance, Business Administration, Risk Management, Property Management, or a related discipline.
• Significant experience in property insurance claims, loss adjustment support, claims administration, or insurance operations.
• Strong understanding of property insurance coverage, policy exclusions, deductibles, insured values, and claims settlement procedures.
• Experience reviewing property damage reports, repair estimates, contractor quotations, invoices, and loss assessment documentation.
• Familiarity with fire, water, structural, weather-related, and other property damage claims.
• Understanding of business interruption claims and the financial documentation used to support loss calculations.
• Knowledge of claims investigation procedures, fraud indicators, dispute handling, and escalation controls.
• Familiarity with claims management platforms, insurance administration systems, document management tools, and reporting applications.
• Understanding of relevant UAE insurance requirements and applicable privacy and data protection obligations.
• Strong analytical, numerical, documentation review, and case management skills.
• Excellent written and verbal communication skills, with the ability to coordinate across multiple stakeholders.
• High standards of accuracy, confidentiality, integrity, and professional judgment.
• Ability to manage multiple claims and deadlines independently in a fully remote environment.

• A fully remote, work-from-home position.
• Competitive compensation based on qualifications and relevant experience.
• Opportunities to contribute to property insurance claims and risk management operations.
• Exposure to diverse property claims, loss assessment processes, and insurance administration systems.
• Professional development and opportunities to strengthen technical and analytical expertise.
• A collaborative environment focused on fair claims handling, operational accuracy, and continuous improvement.

Interested candidates should submit an updated CV highlighting their experience in property insurance claims, damage assessment coordination, loss documentation, and claims administration systems.

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

Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer.

• Important Scope of Responsibilities: This is a fully remote claims documentation review, analytical support, reporting, and case coordination role. Physical property inspections, site visits, structural surveys, damage measurements, forensic investigations, emergency assessments, contractor supervision, and on-site verification must be performed by qualified local personnel. Binding coverage determinations, claim acceptance or repudiation, formal loss-adjusting opinions, settlement agreements, repair authorization decisions, payment releases, business interruption determinations requiring delegated authority, legal representation, regulatory notifications, and statutory compliance sign-offs must be completed by appropriately licensed or authorized insurance, engineering, loss-adjusting, legal, or compliance professionals.