Claims Examiner – Complex

PORCH 💚

. Handle complex homeowners property damage claims, including fire and water losses, appraisals, disputed damage claims, special investigations, and litigation .

Posted 9/29/2026full-timeRemote • Washington • United StatesMid-LevelSenior💰 $68,300 - $95,600 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in handling complex homeowners property damage claims, including fire and water losses, while maintaining strong relationships with insureds and industry professionals. Proficient in evaluating damages, negotiating claims, and utilizing claims systems to ensure compliance and effective communication.

Highest-signal resume keywords

Property Damage Claims HandlingXactimate and Xactanalysis ProficiencyTexas Adjuster LicenseClaims Systems ExperienceCustomer Service Excellence

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims EvaluationDamage AssessmentClaims DocumentationNegotiation SkillsPolicy ReviewClaims Process ComplianceData AnalysisFile ManagementReserve RecommendationsClaims Payment Processing

Soft Skills

Effective CommunicationTeam CollaborationIntegrity and EthicsCustomer Relationship ManagementEmotional Situation Management

Tools & Technologies

Claims Systems (PTS and Image Right)Microsoft Office SuitePersonal Computer UsageStandard Office Equipment

Certifications & Qualifications

Texas Adjuster LicenseContinuing Education Credits

Industry Keywords

Homeowners InsuranceResidential Property ClaimsCasualty ClaimsLitigationSpecial Investigations

About the role

Key responsibilities & impact

Handle complex homeowners property damage claims, including fire and water losses, appraisals, disputed damage claims, special investigations, and litigation
Establish rapport with insureds and maintain relationships with agents, underwriters, contractors, restoration vendors, and experts
Collaborate with Claims Examiners, Claims Adjusters, and Claims Associates
Review policies, claims, property damage estimates, photos, police reports, inspection reports, and related reports
Evaluate damage and coverage to determine amounts owed under applicable insurance policies
Request payments and manage correspondence with parties involved in claims
Document files and prepare and issue claim payment or denial letters when appropriate
Provide excellent customer service
Investigate, evaluate, and resolve claims using technical knowledge and human relations skills
Adjust reserves and provide reserve recommendations
Handle homeowners, dwelling fire, tenant, condo, and personal property claims
Ensure proper claims-process guidelines are followed
Review claims to determine whether costs are reasonable
Consult policy files to verify coverage
Evaluate damages to ascertain compensation amounts
Enter claims payments and maintain clean, concise file documentation
Confer with legal counsel on coverage, legal, or complex matters
Consult policy and/or hospital records
Examine photographs and statements
Listen to and/or watch audio or video surveillance
Record data and statements in reports
Evaluate information to determine claim handling
Negotiate with insureds and/or claimants to resolve claims
Work with attorneys, public adjusters, roofers, plumbers, and other contractors

Requirements

What you’ll need

Bachelor’s degree or equivalent experience
Five+ years of relevant residential property and casualty work experience and/or training handling property and/or liability claims
Ability to gather and analyze information skillfully
Works with integrity and ethics
Ability to read, write, and interpret routine correspondence and reports
Ability to use Claims systems (PTS and Image Right)
Experience using Xactimate and Xactanalysis
Texas adjuster license and other appropriate state adjuster licenses
Commitment to maintaining continuing education credits
Proficiency with Microsoft Office suite (Outlook, Word, Excel, PowerPoint)
Ability to use a personal computer and standard office equipment
Ability to complete claims in a timely manner
Ability to follow policies and procedures
Ability to maintain confidentiality
Effective communication skills
Ability to work independently, assess workload, and plan to meet competing deadlines
Ability to manage difficult or emotional customer situations
Ability to write and communicate clearly and informatively
Ability to cultivate teamwork and collaboration

Benefits

Comp & perks

Three Medical plan options
Two Dental plan options
Vision plan
Voluntary Critical Illness, Hospital Indemnity, and Accident plans
Partially employer-funded Health Savings Account
Employee Flexible Savings Accounts for healthcare, dependent care, and transportation
Company-paid Basic Life and AD&D
Company-paid Short- and Long-Term Disability benefits
Voluntary Life and AD&D plans
Traditional and Roth 401(k) plans with discretionary employer match
Employer-paid Supportlinc wellbeing program with guided meditation, mindfulness exercises, mental health coaching, clinical care, and confidential resources including will preparation
LifeBalance discounts on gym memberships, travel, appliances, movies, pet insurance, and more
Flexible paid vacation
Typically nine company-paid holidays per year
Paid sick time
Paid parental leave
Identity theft program
Travel assistance
Fitness and other discount programs
Virtual interviews
Sales incentives, subject to program guidelines and approvals