Claims Examiner - Complex

Porch Group is a leading vertical software and insurance platform and is positioned to be the best partner to help homebuyers move, maintain, and fully protect their homes. We offer differentiated products and services, with homeowners insurance at the center of this relationship. We differentiate and look to win in the massive and growing homeowners insurance opportunity by 1) providing the best services for homebuyers, 2) led by advantaged underwriting in insurance, 3) to protect the whole home.
As a leader in the home services software-as-a-service (“SaaS”) space, we’ve built deep relationships with approximately 30 thousand companies that are key to the home-buying transaction, such as home inspectors, mortgage companies, and title companies.
In 2020, Porch Group rang the Nasdaq bell and began trading under the ticker symbol PRCH. We are looking to build a truly great company and are JUST GETTING STARTED.
Job Title: Claims Examiner-Complex
Location: United States
Workplace Type: Remote
Job Summary
The future is bright for Porch Group, and we’d love for you to be a part of it as our Claims Examiner-Complex.
Summary
The Claims Examiner is responsible for handling complex homeowners property damage claims including fire and water losses, appraisals and disputed damage claims, special investigations, and litigation. The Claims Examiner must establish rapport with the insureds and maintain relationships with agents, underwriters, contractors, restoration vendors, and experts working in a team environment with other Claims Examiners, Claims Adjusters and Claims Associates. Examiner will review policies, claims, property damage estimates, photos, police reports, inspection reports and other related reports to evaluate damage and coverage to determine amounts owed under the applicable insurance policy. Claims Examiners are responsible for requesting payments, documenting files, and preparing and issuing claim payment letters or denial letters when appropriate.
What You Will Do As A Claims Examiner
· Provides excellent customer service
· Investigates, evaluates, and resolves claims, applying technical knowledge and human relations skills to affect fair and prompt resolution of claims
· Adjusts reserves and/or provides reserve recommendations
· Handles all types of claims, including homeowners, dwelling fire, tenant, condo, personal property
· Ensures proper guidelines were followed during claims process
· Reviews claims to determine if costs were reasonable
· Consults policies files to verify coverage
· Evaluates damages to ascertain compensation amount
· Enters claims payments and maintains clean, concise file documentation
· Confers with legal counsel on claims involving coverage, legal or complex matters
· Consults with policy and/or hospital records
· Examines photographs and statements
· Listens to and/or watches audio or video surveillance
· Records data and statements in reports
· Evaluates all information to determine how claims should be handled
· Negotiates with insured and/or claimant to resolve claim
· Works with attorneys, public adjusters, roofers, plumbers, and other types of contractors
· Requests payment and manages correspondence with various parties involved in the claim
What You Will Bring As A Claims Examiner
Bachelor’s degree or equivalent experience
· Five + years of relevant residential property & casualty work experience and/or training handling property and/or liability claims
· Gathers and analyzes 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
· Has TX adjusters license, other appropriate state adjuster licenses, and commitment to maintaining continuing education credits.
· Completes claims in a timely manner
· Proficiency with Microsoft Office suite (Outlook, Word, Excel, PowerPoint)
· Ability to use a personal computer and standard office equipment
· Follows policies and procedures
· Maintains confidentiality
· Communicates effectively
· Works independently, with the ability to assess workload and plan accordingly to meet competing deadlines
· Effectively manages difficult or emotional customer situations
· Writes and communicates clearly and informatively
· Cultivates environment of teamwork and collaboration
The application window for this position is anticipated to close in 2 weeks (10 business days) from 8/26/2026. Please know this may change based on business and interviewing needs.
At this time, Porch Group does not consider applicants from the following states or jurisdictions for Remote positions: Alaska, Delaware, Hawaii, Mississippi, Nebraska, Montana, New Hampshire, West Virginia, or the District of Columbia.
Pay Range*: $68,300 - $95,600 Annually
*Please know your actual pay at Porch will reflect a number of factors among which are your work experience and skillsets, job-related knowledge, alignment with market and our Porch employees, as well as your geographic location.
You will also be eligible to receive sales incentives, subject to program guidelines and approvals.
Our benefits package will provide you with comprehensive coverage for your health, life, and financial wellbeing.
Our traditional healthcare benefits include three (3) Medical plan options, two (2) Dental plan options, and a Vision plan from which to choose.
Critical Illness, Hospital Indemnity and Accident plans are offered on a voluntary basis.
We offer pre-tax savings options including a partially employer funded Health Savings Account and employee Flexible Savings Accounts including healthcare, dependent care, and transportation savings options.
We provide company paid Basic Life and AD&D, Short and Long-Term Disability benefits. We also offer Voluntary Life and AD&D plans.
Both traditional and Roth 401(k) plans are available with a discretionary employer match.
Supportlinc is part of our employer paid wellbeing program and provides employees and their families access to on demand guided meditation and mindfulness exercises, mental health coaching, clinical care and online access to confidential resources including will preparation.
LifeBalance is a free resource to employees and their families for year-round discounts on things like gym memberships, travel, appliances, movies, pet insurance and more.
Our wellness programs include flexible paid vacation, company-paid holidays of typically nine per year, paid sick time, paid parental leave, identity theft program, travel assistance, and fitness and other discounts programs.