Product SME – Property Claims Process Specialist

About Assured

Assured is on a mission to modernize insurance. Claims processing, often overlooked, is the foundation of the entire industry. Currently, it’s highly manual, involving phone calls, faxes, and gut instinct, costing tens of billions of dollars annually. Assured provides large insurers with software solutions to modernize claims processing, from self-service claim-filing software to backend fraud detection, powering claims processing for some of the largest insurers globally.

Life at Assured is dynamic, collaborative, and rewarding, focusing on creating digital experiences that provide comfort and clarity to claimants and orchestrating large-scale ML-driven decision-making on billions of dollars in claims payments.

Job Role

Assured Insurance Technologies is seeking a Product Subject Matter Expert (SME) to lead a comprehensive evaluation of the end-to-end property claims process. This role focuses on understanding how claims move from First Notice of Loss (FNOL) through resolution, decision-making processes, data flow across systems, and opportunities for operational and product improvements to impact cycle time, accuracy, customer experience, and financial performance.

Key Responsibilities

Conduct an end-to-end review of the property claims lifecycle:
Examine the full claim journey—FNOL intake, inspection, coverage evaluation, cause of loss determination, scope and estimate development, reserving, vendor coordination, settlement, and closure—identifying friction points and opportunities for automation.

Develop deep expertise in property claims decisions and data:
Understand the information adjusters rely on (inspection reports, photos/videos, contractor estimates, policy data, weather data, third-party reports), how it is structured in the system, and where gaps or inefficiencies exist.

Identify workflow and documentation breakdowns:
Surface inconsistencies in data capture, estimate accuracy, reserve alignment, vendor handoffs, task routing, approvals, customer communications, or downstream reporting that impact claim outcomes.

Own the integrity of core claims data:
Ensure key indicators (coverage determination, cause of loss, damage scope, reserve position, estimate accuracy, settlement status) are accurately captured and consistently reflected across product, operational, and financial views.

Define standards for claims quality and defensibility:
Establish expectations for inspection quality, documentation rigor, estimate accuracy, decision rationale, reserve adequacy, and alignment between damage assessments and financial outcomes.

Partner cross-functionally to resolve systemic issues:
Collaborate with Product, Engineering, Claims Operations, Analytics, and Leadership to address root causes impacting claim efficiency, estimate accuracy, vendor performance, and customer experience.

Improve inputs and outputs across the claims process:
Enhance how property damage data is collected (e.g., inspections, imagery, estimates) and structured, and improve how insights are delivered through dashboards, reporting, automation workflows, and AI models.

Translate insights into measurable product improvements:
Prioritize enhancements that reduce cycle time, improve loss ratio performance, minimize leakage, strengthen reserving accuracy, improve customer satisfaction, and increase operational efficiency.

Influence roadmap decisions with financial and operational context:
Clearly articulate business impact across indemnity spend, expense management, vendor costs, subrogation recovery, litigation exposure, adjuster productivity, and customer retention.

Serve as the internal subject-matter expert:
Guide best practices for inspections, scoping and estimating, vendor coordination, documentation standards, and automation opportunities.

Align teams around consistent process standards:
Partner across Claims, Product, Engineering, Finance, and Customer Success to ensure shared understanding and disciplined execution.

Communicate clearly across audiences:
Present findings and recommendations effectively to both technical and non-technical stakeholders.

Qualifications

Prior experience:
• Property claims adjuster (field or desk) at a major carrier
• Deep understanding of the end-to-end property claims process within P&C (including inspections, scoping, estimating, and settlement)
• Experience working closely with product, engineering, data, and operational teams
• Proven ability to assess complex workflows and identify high-impact improvements
• Comfort owning ambiguous, high-leverage initiatives with measurable financial impact
• Strong written and verbal communication skills

Benefits

Competitive Compensation: Competitive salary and equity packages
Healthcare Plan: Platinum medical, dental, and vision
Life Insurance: Including long-term and short-term disability
PTO: Unlimited vacation days and paid holidays
Family Leave: Maternity and paternity leave
401(k): Assured contributes 3% of your income, even if you don’t contribute
WFH Benefits: Lunch on us twice a week, monthly phone stipend, and other home office perks
Health FSAs & HSAs: Pre-tax accounts for out-of-pocket medical expenses
Team Events & Offsites: Regular gatherings for remote teams