Claims Examiner II - Residential and Commercial Property Claims

Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage. Arbol is looking for a skilled Claims Examiner to join our growing property casualty claims team at Lilypad Insurance Managers. The ideal candidate for this role has experience handling residential and commercial property claims with expertise, empathy, and efficiency. You'll work in a dynamic environment that blends traditional claims excellence with technology, including AI-driven tools, giving you the resources to deliver outstanding outcomes for policyholders when it matters most. What You'll Do

Claims Handling: Apply strong critical‑thinking and problem‑solving skills to independently and proactively manage property claims, evaluate complex facts, make sound decisions within your authority, and recommend fair, well‑supported settlement values.

Customer Experience: Deliver compassionate, timely, and solutions‑focused support during moments of loss, ensuring customers feel heard, informed, and genuinely cared for when they need us most.

New Technology and AI: Leverage and adapt emerging technologies, including AI‑driven tools and modern claims software, to streamline workflows, improve accuracy, and enhance the overall claims experience.

Adaptability: Quickly adjust to new situations, evolving claim scenarios, and emerging technologies - embracing change, learning new tools, and applying them effectively to improve claim outcomes and workflow efficiency.

CAT Claims Support: During high CAT claim volumes, step in to manage new, low-complexity claims.

End-to-End Resolution: Handle claims from inception to resolution, investigating loss circumstances, applying coverage accurately, and working within assigned authority levels.

Coverage Expertise: Review and determine proper policy coverages, resolving claims per company guidelines.

Fraud Detection: Identify fraud and recovery opportunities.

Vendor Management: Engage and monitor the work of outside vendors in the claim adjustment process.

Compliance: Ensure compliance with all statutory regulations and unfair Claim Practice Acts.

What You'll Need

At least 1-3 years of homeowner and/or commercial property. Liability claims experience is also a plus.

Applicable state adjuster license where required and in good standing.

Functional knowledge of claims handling concepts, practices, and techniques, including coverage issues and product line knowledge.

Knowledge of law and insurance regulations in various jurisdictions.

Advanced experience adopting and using new software and tools

Proficiency in Microsoft Office products (Word, Excel, Outlook).

Xactimate and/or Cotality experience: Highly preferred.

Flexibility: Able to work extended hours due to weather-related events.

We have offices in New York City and Sarasota, but if you're not near either, no problem - you can work remotely. Essential Job Functions & Physical RequirementsAbility to sit for extended periods of time while working at a computer, with or without reasonable accommodationAbility to use a computer, keyboard, mouse, and standard office equipment (e.g., phone, printer, scanner)Ability to view a computer screen for prolonged periods, with or without reasonable accommodationAbility to communicate effectively in person, by phone, and via emailAbility to occasionally stand, walk, bend, and reach within an office environmentAbility to lift and/or move up to 10–15 pounds occasionally (e.g., office supplies, files), with or without reasonable accommodationAbility to perform repetitive motions, such as typing or data entryAbility to maintain focus and attention while performing detailed tasks Interested, but you don’t meet every qualification? Please apply! Arbol values the perspectives and experience of candidates with non-traditional backgrounds and we encourage you to apply even if you do not meet every requirement. AccessibilityArbol is committed to accessibility and inclusivity in the hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you require an accommodation to apply or interview, please contact [email protected] BenefitsArbol is proud to offer its full-time employees competitive compensation and equity in a high-growth startup. Our health benefits include comprehensive health, dental, and vision coverage, and an optional flexible spending account (FSA) to support your health. We offer a 401(k) match to support your future, and flexible PTO for you to relax and recharge. Equal Opportunity Employer Arbol is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, veteran status, or any other legally protected status. Arbol participates in the E-Verify program to confirm employment eligibility. Apply To This Job