Evaluate new and renewal property risks based on inspection reports, aerial imagery, and available data sources
Apply underwriting guidelines and professional judgment to determine risk eligibility
Validate home replacement cost estimates (RCE) and ensure proper insurance-to-value (ITV) alignment
Update policies as needed to reflect accurate risk classification and valuation
Respond to agent, customer, and internal inquiries regarding underwriting decisions via chat and email
Communicate underwriting philosophies, guidelines, and expectations clearly to stakeholders
Leverage AI-supported tools and data models to enhance underwriting decisions
Share insights and observations to support improvements in underwriting guidelines and strategy
Participate in calibration sessions, business reviews, and underwriting meetings to strengthen expertise
Contribute to the development of team knowledge and best practices

Experience in underwriting, property inspection, or a related insurance field, home, build
Experience within the insurance industry
Strong understanding of property insurance concepts, including replacement cost estimates (RCE) and insurance-to-value (ITV)
Ability to analyze inspection reports, aerial imagery, and multiple data sources
Strong attention to detail and sound decision-making skills
Excellent communication skills, with the ability to explain complex underwriting decisions clearly
Familiarity with underwriting tools, data models, and AI-supported solutions is a plus
Ability to work independently and manage multiple priorities

Underwriting Inspections Representative

Key skills