Claims Specialist, Property

Next Horizon is here. Fueled by investments in talent and technology, our bold strategy to transform is nearly complete.  

At Gore Mutual, we’ve always set ourselves apart as a modern mutual that does good. Now, we’re proudly building on that legacy to transform our company—and our industry—for the better. 

Our path forward sharpens our focus on business performance, driven by leading technology, innovation and an agile, high-performing culture. With Gore Mutual and Beneva announcing their intent to merge in 2026, we’ll be uniting two well-established, financially strong, and trusted brands to become the strongest mutual insurer in Canada, ensuring Canadians have purpose-driven insurance options for generations to come. Come join us. 

The Property Claims Specialist is responsible for investigating, evaluating, negotiating, and settling large, complex, and often litigated property claims. This role requires a high level of expertise in property insurance, exceptional analytical skills, and the ability to manage a demanding caseload independently. The ideal candidate will possess strong communication, negotiation, and problem-solving abilities, with a focus on delivering fair and timely resolutions while mitigating company risks. Above technical knowledge and skills, the Specialist’s focus is on delivering a positive claims experience to Gore’s customers, thereby strengthening our brand. In addition to core responsibilities, this role actively participates in key committees, advising on coverage interpretation and strategic responses that shape business outcomes. The adjuster also serves as a mentor and coach, supporting professional development and fostering expertise within the team to enhance overall capability.

Job Responsibilities: 

Claims Investigation and Assessment

• Conduct thorough investigations of complex property claims, including but not limited to, large residential losses, multi-peril claims, and claims in litigation and dispute. 
• Determine coverage applicability by analyzing complex policy language, endorsements, and exclusions. 
• Interview policyholders, witnesses, and other relevant parties to gather information. 
• Secure and analyze all necessary documentation, such as police reports, fire reports, appraisals, repair estimates, and financial records. 
• Coordinate and direct external experts (e.g., engineers, forensic accountants, contractors, attorneys) as needed for specialized investigations and evaluations. 
• Assess damages accurately, considering various factors such as depreciation, actual cash value, and replacement cost. 

Claim Evaluation & Resolution

• Formulate comprehensive claim strategies for resolution, often involving complex liability and damage assessments. 
• Accurately evaluate claim reserves based on investigation findings and potential future costs. 
• Negotiate effectively with policyholders, attorneys, public adjusters, and other parties to reach fair and equitable settlements. 
• Identify and pursue subrogation opportunities where applicable. 
• Prepare detailed reports, including coverage analyses, damage assessments, and settlement recommendations. 
• Manage claims within established authority limits, escalating to management as required. 

Litigation Management

• Actively participate in the litigation process for assigned claims, working closely with defense counsel. 
• Attend mediations, arbitrations, depositions, and trials as a company representative. 
• Provide expert testimony when required. 
• Develop and implement litigation strategies to minimize exposure and achieve favorable outcomes. 

Customer Service and Communication

• Maintain regular and clear communication with policyholders, agents, and all involved parties, providing updates on claim status and explaining complex information in an understandable manner. 
• Manage sensitive situations with empathy and professionalism, even during contentious negotiations. 
• Adhere to all regulatory and company guidelines for claims handling.
• Build rapport and trust with claimants to facilitate a positive claims experience. 

Risk Mitigation and Continuous Improvement

• Stay current with industry trends, changes in insurance law, and best practices in claims handling. 
• Maintain all required licenses and certifications. 
• Participate in ongoing training and professional development programs. 
• Participate in post-loss reviews and team discussions to share insights and lessons learned. 
• Stay informed about industry developments and regulatory changes that may impact claims handling 

What you need to Succeed: 

• 5-10 years property claims adjusting experience
• College or University education
• Demonstrated ability to handle complex property claims including claims with multiple parties, litigation, or high value. 
• Exceptional communication, problem solving, negotiating, and decision making skills. 

Hybrid: This is a hybrid role with the requirement to attend our Cambridge, ON or Vancouver, BC office twice per week.

Salary Range: The base salary range for this role is $65,500 - $121,000 per year. 

#LI-HYB & #INDHP

Gore Mutual Insurance is committed to providing accommodations for people with disabilities during all phases of the recruiting process, including the application process. If you require accommodation because of a disability, we will work with you to meet your needs. If you are selected for an interview and require accommodation, please advise the HR representative who will consult with you to determine an appropriate accommodation.