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Gore Mutual Insurance

Field Claims Advisor Property

Cambridge, ON, Canada

The expected base salary range for this position is $56,000 - $103,500. · Full-time

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Job details

Pay: The expected base salary range for this position is $56,000 - $103,500.
Job type: Full-time
Apply by: Nov 29, 2026
Posting language: English
Posted: Oct 30, 2026

Original job description

At Gore Mutual, we’ve always set ourselves apart as a modern mutual that does good. Now, we’re proudly building on that legacy to transform our company - and our industry - for the better.

Effective January 1, 2026, Gore has joined Beneva - the country’s largest mutual insurance company - as part of its Property & Casualty operations in Ontario and Western Canada. During 2026, Gore will combine its operations with Unica Insurance, Beneva’s Ontario-based subsidiary specializing in niche commercial and personal insurance, creating a stronger, more diversified mutual insurer with greater scale and long-term stability.

Every decision and investment remains anchored in long-term benefits to customers, members, and communities. Come join us.

As a Field Claims Advisor, Property, you will provide exceptional customer service and effective cost control while managing property claims within your assigned territory. Based from your home, you’ll investigate, negotiate, and resolve losses on site, complete detailed damage scopes and valuations, interpret policy coverage, and support fair claim outcomes. You’ll also act as a trusted service ambassador for Gore Mutual, partnering with customers, brokers, and internal teams, while representing the organization during catastrophe response initiatives and other formal claim proceedings as required.

What will you do?

· Manage assigned claims within the designated territory, setting clear expectations with customers, coordinating vendor involvement, and ensuring timely, high-quality claim attendance and service delivery.

· Investigate and document losses thoroughly, including site inspections, photo capture, recorded statements, damage summaries, sketches, and collection of all required documentation (contracts, leases, financials, reports, etc.).

· Assess coverage and exposure, identifying limitations, subrogation and fraud opportunities, completing loss reserving, issuing payments as required, and sending underwriting risk alerts.

· Administer claim requirements and controls, providing required forms and communications, maintaining accurate file notes and tracking, and escalating issues as needed.

· Perform additional duties as required in support of effective and compliant claims handling.

· Conduct rotational field attendance as required within assigned territory to manage claims efficiently.

· Manage assigned claims end-to-end, setting clear expectations with customers throughout the claim lifecycle.

· Gather, review, and provide all required claim documentation and information (e.g., policies, forms, inventories, leases, contracts, financials).

· Assess losses through site inspections, photo capture, damage summaries, and recorded statements as needed.

· Identify and address coverage issues, exclusions, fraud concerns, subrogation opportunities, and underwriting risk alerts.

· Coordinate vendors, outlining scope, deliverables, and expectations, and track expenses, reserves, and manual payments.

· Maintain accurate file documentation, loss reserving, and time management to ensure quality, timeliness, and service standards.

· Perform additional related duties as assigned.

What will you need to succeed?

· Minimum 5 years property adjusting experience.

· Minimum 3 years experience as a Field Adjuster

· In depth understanding of building damage scoping practices

· Detailed knowledge of 1st Party Property Coverages

· Strong communication skills and de-escalation methodologies

· Excellent customer service skills with the ability to manage multiple stakeholders

· Business acumen with effective time and desk management

· Experience interpreting & applying contract law

· Financial analysis, multitasking, and confident communication

· Experience and proficiency in Xactimate estimate writing is an asset.

Work Arrangement: This role is a remote field position assigned to a territory around the North GTA (Aurora, Newmarket, Vaughan, Markham region), with ongoing access to a company vehicle. You will be required to attend our Cambridge office once or twice per month.

The expected base salary range for this position is $56,000 - $103,500. Depending on your relevant experience, skills, qualifications, market conditions and business needs, base compensation may vary. You have the potential to earn more through Gore Mutual’s discretionary bonus program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.

Please note: This range reflects the expected base salary for this role but may not represent the full compensation range for all experience and skill levels. During the recruitment

process, we will discuss and consider how your unique qualifications align with the broader range for this position.

Gore Mutual is proud to offer a comprehensive total rewards package which includes extended health and dental benefits, disability insurance, retirement plan matching, paid time off, recognition and perk programs.

This posting pertains to an existing vacancy that is actively being filled.

Accessibility for applicants

Gore Mutual Insurance Company is committed to providing accommodations for people with disabilities during all phases of the recruiting process, including the application process.

If you require accommodation because of a disability, we will work with you to meet your needs. Contact us and a human resources representative will consult with you to determine an appropriate accommodation.

Should you request an accommodation during the interview process, please notify your Talent Acquisition Consultant.

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More about this job

Responsibilities

Manage property claims from investigation through resolution, including field inspections, damage assessments, coverage decisions, reserving, payments, and documentation. Coordinate customers, brokers, vendors, and internal teams while delivering timely service, controlling costs, and supporting catastrophe response and formal claim proceedings.

Requirements

Requires at least five years of property adjusting experience, including at least three years as a field adjuster, with in-depth knowledge of building damage scoping and first-party property coverage. Strong communication, customer service, stakeholder management, time management, contract law interpretation, and financial analysis skills are required; Xactimate proficiency is an asset.

Skills

Property Claims Adjusting
Field Adjusting
Building Damage Scoping
First-Party Property Coverage
Claims Investigation
Coverage Interpretation
Xactimate Estimating
Negotiation
Customer Service
De-escalation
Vendor Coordination
Loss Reserving
Fraud Detection
Subrogation
Contract Law
Financial Analysis

Benefits

Extended Health Benefits
Dental Benefits
Disability Insurance
Retirement Plan Matching
Paid Time Off
Recognition Programs
Perk Programs
Discretionary Bonus

Visa sponsorship

Not detected in the job text

Keywords

Property Claims
Field Adjusting
Claims Investigation
Property Damage Assessment
Building Damage Scoping
First-Party Property Coverage
Policy Interpretation
Coverage Assessment
Claims Negotiation
Xactimate
Loss Reserving
Manual Payments
Subrogation
Fraud Detection
Underwriting Risk Alerts
Vendor Coordination
Recorded Statements
Site Inspections
Damage Valuations
Contract Law
Financial Analysis
Catastrophe Response
Claims Documentation
Customer Service
Cost Control

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