Senior Property Claims Specialist

Job Title: Senior Property Claims SpecialistLocation: United Arab Emirates (Remote)Employment Type: Full-TimeWork Arrangement: 100% Remote — Work From HomeLevel: SeniorAbout the RoleWe are seeking an experienced Senior Property Claims Specialist to manage and support property insurance claims through remote documentation review, damage assessment analysis, policy verification, and claims coordination. The role focuses on reviewing property damage reports, photographs, repair estimates, valuation records, and supporting evidence to facilitate accurate and timely claims assessment in accordance with policy terms and applicable UAE insurance requirements. The successful candidate will coordinate with insurers, brokers, loss adjusters, property owners, contractors, surveyors, and internal departments to investigate complex claims, monitor case progress, and improve claims handling standards. This is a fully remote position focused on digital evidence review, technical analysis, reporting, and operational oversight. Physical property inspections and on-site assessments must be undertaken by qualified local professionals.

Key Responsibilities
Review property insurance claims involving fire, water damage, storms, flooding, accidental damage, theft, business interruption, and other insured events. Examine policy schedules, endorsements, exclusions, deductibles, coverage limits, and applicable conditions when reviewing claims. Verify policy validity, insured property details, coverage periods, declared values, and relevant policy information. Review claim forms, incident reports, photographs, repair estimates, invoices, valuation reports, and supporting documentation. Analyze property damage assessments and technical reports prepared by qualified local loss adjusters and surveyors. Evaluate repair and reinstatement estimates, replacement costs, depreciation calculations, and supporting financial evidence. Review building, contents, machinery, equipment, and other insured asset claims against documented coverage provisions. Support the analysis of total-loss, partial-loss, and underinsurance scenarios using available valuation information. Review business interruption claims, including documented financial losses, interruption periods, revenue records, and supporting calculations. Coordinate remotely with brokers, loss adjusters, surveyors, contractors, restoration providers, and policyholders. Investigate discrepancies involving reported damage, incident circumstances, repair costs, asset valuations, and policy information. Monitor claims progress, outstanding documentation, processing deadlines, and service-level agreements. Support the review of complex, disputed, high-value, and catastrophe-related property claims. Identify potential fraud indicators, duplicate submissions, inconsistent evidence, and unusual claims patterns. Coordinate requests for additional documentation and clarification with relevant stakeholders. Maintain accurate digital claims files, case notes, correspondence, technical reports, and audit trails. Prepare claims performance reports, cost analysis summaries, settlement review documentation, and management dashboards. Analyze claims trends, loss ratios, repair cost movements, and recurring property damage exposures. Support internal audits, claims quality assurance reviews, and operational risk assessments. Monitor changes in UAE insurance requirements, property claims practices, and relevant industry standards. Recommend improvements to claims procedures, documentation controls, assessment workflows, and service delivery. Collaborate with underwriting, finance, legal, compliance, risk management, and customer service teams. Qualifications and ExperienceBachelor's degree in Insurance, Risk Management, Civil Engineering, Building Surveying, Quantity Surveying, Finance, or a related discipline. Typically 5–8 years of relevant experience in property insurance claims, loss adjusting support, or insurance operations. Strong understanding of property insurance products, including commercial property, residential property, industrial property, and business interruption coverage. Experience reviewing property damage reports, loss adjuster assessments, repair estimates, valuation reports, and insurance documentation. Knowledge of policy conditions, exclusions, deductibles, depreciation, reinstatement costs, and underinsurance principles. Familiarity with UAE insurance regulations and relevant property claims handling requirements. Understanding of building components, construction terminology, repair methodologies, and property reinstatement costs. Experience reviewing fire, water damage, storm, flood, machinery, and other property-related claims. Knowledge of business interruption documentation and financial loss assessment principles. Ability to identify inconsistencies, analyze supporting evidence, and recognize potential fraud indicators. Familiarity with insurance