<h2>Our story. Our products.</h2> Built on a foundation of financial strength for more than 180 years, Gore Mutual Insurance Company is one of Canada’s first property and casualty insurance companies. We are a Canadian mutual insurer focused on delivering outstanding insurance products and services through insurance brokers. One of Canada’s first property and casualty insurance companies. We are a Canadian mutual company, with more than 500 employees focused on delivering outstanding insurance products and services to customers. In 2019, we launched our <a href="https://www.goremutual.ca/nexthorizon/" rel="noopener noreferrer" target="_blank">Next Horizon</a> strategy to transform Gore Mutual from a mid-size carrier to a national-scale insurer with investment in talent and technology of $50 million over three years. To complement our transformation, we have refreshed and revitalized our <a href="https://www.goremutual.ca/purpose/" rel="noopener noreferrer" target="_blank">purpose</a> and brand identity.

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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 &amp; 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.</div>The Property Appraisal&nbsp;Advisor&nbsp;role is critical in ensuring the accuracy and compliance of property damage estimates&nbsp;submitted&nbsp;to the claims department. This position&nbsp;is responsible for&nbsp;thoroughly reviewing and analyzing property damage estimates, assessing their adherence to company guidelines, policy coverage, and industry standards. The Property Estimate Review Desk personnel meticulously&nbsp;validate&nbsp;the&nbsp;estimation&nbsp;accuracy by&nbsp;identifying&nbsp;and addressing any discrepancies, errors, or inconsistencies within the estimates. They communicate effectively with adjusters, vendors, and other stakeholders to gather&nbsp;additional&nbsp;information and resolve any issues related to the estimates. Compliance and quality assurance are key priorities, as the Property Estimate Review Desk team ensures that estimates&nbsp;comply with&nbsp;policy conditions and regulatory requirements. Additionally, this role actively contributes to process improvements by sharing&nbsp;expertise, providing guidance, and offering insights on&nbsp;industry&nbsp;best practices.&nbsp;The Property&nbsp;Estimate Review Desk professionals&nbsp;maintain&nbsp;comprehensive documentation of their reviews and generate reports to track trends,&nbsp;identify&nbsp;areas for improvement, and support decision-making processes within the claims department.&nbsp;
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What you will do:
<ul>
<li>Thoroughly review property damage estimates&nbsp;submitted&nbsp;by field/desk&nbsp;adjusters,&nbsp;external vendors, third parties or&nbsp;third party&nbsp;insurers&nbsp;to ensure accuracy, completeness, and compliance with company guidelines and industry standards.&nbsp;</li>
</ul>
<ul>
<li>Analyze estimates for consistency in scope, pricing, and adherence to policy coverage.&nbsp;</li>
<li>Ensure that property damage estimates comply with applicable insurance policies, coverage limitations, and regulatory requirements.&nbsp;</li>
<li>Conduct quality assurance checks to verify that estimates meet company standards, including proper documentation, coding, and pricing.&nbsp;</li>
<li>Identify&nbsp;and address any discrepancies, errors, or inconsistencies within property damage estimates.&nbsp;</li>
<li>Validate cost estimates for materials, labor, and other relevant factors to ensure accuracy and reasonableness.&nbsp;</li>
</ul>
<ul>
<li>Communicate effectively with adjusters, vendors, and other stakeholders to gather&nbsp;additional&nbsp;information, clarify discrepancies, or resolve issues related to property damage estimates.</li>
<li>Collaborate with the claims team to provide guidance, feedback, and support&nbsp;regarding&nbsp;estimate reviews and any necessary adjustments.</li>
<li>Identify&nbsp;opportunities for cost containment and recommend alternative approaches or solutions to minimize claim expenses without compromising policyholder satisfaction or coverage.</li>
<li>Maintain detailed and&nbsp;accurate&nbsp;records of&nbsp;estimate&nbsp;reviews, findings, and recommendations.</li>
<li>Generate reports or summaries documenting review outcomes, trends, and areas for improvement.</li>
<li>Negotiate and resolve any disputes or discrepancies with adjusters, vendors, or contractors&nbsp;regarding&nbsp;estimate findings or recommended modifications.</li>
<li>Stay updated on industry best practices, construction materials, repair methods, and pricing trends to enhance estimation accuracy and effectiveness.</li>
<li>Provide feedback and suggestions for process improvements to&nbsp;optimize&nbsp;the estimate review and approval process.</li>
<li>Contribute&nbsp;to the development, enhancement, and maintenance of internal policies, guidelines, and procedures related to property damage estimation, review, and approval.&nbsp;</li>
<li>Assist&nbsp;in training and mentoring new or&nbsp;less-experienced&nbsp;team members&nbsp;or adjusters&nbsp;in property&nbsp;estimate&nbsp;review processes, guidelines, and quality assurance standards.</li>
<li>Share&nbsp;expertise&nbsp;and provide guidance on complex or challenging estimate reviews as&nbsp;required.</li>
<li>Ensure&nbsp;a high level&nbsp;of customer service by promptly addressing inquiries, concerns, or escalations related to property damage estimates.</li>
<li>Collaborate with the claims team to deliver&nbsp;accurate&nbsp;and fair claim settlements to policyholders while&nbsp;maintaining&nbsp;cost control measures.</li>
</ul>
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What you need to succeed:
<ul>
<li>Strong estimating knowledge and experience with Xactimate&nbsp;</li>
</ul>
<ul>
<li>Strong knowledge of applicable building codes and construction practices&nbsp;</li>
</ul>
<ul>
<li>Strong&nbsp;and effective communication skills&nbsp;</li>
</ul>
<ul>
<li>Effective Time management skills&nbsp;</li>
</ul>
<ul>
<li>Ability to&nbsp;problem solve&nbsp;and seek solution driven results&nbsp;</li>
</ul>
<ul>
<li>Strong analytical skills to&nbsp;identify, track and report on&nbsp;trends&nbsp;</li>
<li>Undergraduate degree preferred</li>
</ul>
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.
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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.
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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.
#INDHP #LI-HYB<div class="content-conclusion">This posting pertains to an existing vacancy that is actively being filled.
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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.&nbsp;<a href="mailto:accessibility@goremutual.ca">Contact us</a>&nbsp;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.</div>

Property Appraisal Advisor is no longer accepting applications.