assured - Product SME – Property Claims

• 🔍 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 how property claims decisions are made and supported by data • Understand what 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 breakdowns in claim workflow and documentation • 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 across systems • 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 both 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 on the property claims lifecycle • 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.