At Gore Mutual, we’ve always set ourselves apart as a modern mutual that does valuable. 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.
The Property AppraisalAdvisor role is critical in ensuring the accuracy and compliance of property damage estimatessubmittedto the claims department. This positionis responsible forthoroughly reviewing and analyzing property damage estimates, assessing their adherence to company guidelines, policy coverage, and industry standards. The Property Estimate Review Desk personnel meticulouslyvalidatetheestimationaccuracy byidentifyingand addressing any discrepancies, errors, or inconsistencies within the estimates. They communicate effectively with adjusters, vendors, and other stakeholders to gatheradditionalinformation and resolve any issues related to the estimates. Compliance and quality assurance are key priorities, as the Property Estimate Review Desk team ensures that estimatescomply withpolicy conditions and regulatory requirements. Additionally, this role actively contributes to process improvements by sharingexpertise, providing guidance, and offering insights onindustrybest practices.The PropertyEstimate Review Desk professionalsmaintaincomprehensive documentation of their reviews and generate reports to track trends,identifyareas for improvement, and support decision-making processes within the claims department.
What you will do: Thoroughly review property damage estimatessubmittedby field/deskadjusters,external vendors, third parties orthird partyinsurersto ensure accuracy, completeness, and compliance with company guidelines and industry standards.
Analyze estimates for consistency in scope, pricing, and adherence to policy coverage.




Ensure that property damage estimates comply with applicable insurance policies, coverage limitations, and regulatory requirements.
Conduct quality assurance checks to verify that estimates meet company standards, including proper documentation, coding, and pricing.
Identifyand address any discrepancies, errors, or inconsistencies within property damage estimates.
Validate cost estimates for materials, labor, and other relevant factors to ensure accuracy and reasonableness.
Communicate effectively with adjusters, vendors, and other stakeholders to gatheradditionalinformation, clarify discrepancies, or resolve issues related to property damage estimates.
Collaborate with the claims team to provide guidance, feedback, and supportregardingestimate reviews and any necessary adjustments.
Identifyopportunities for cost containment and recommend alternative approaches or solutions to minimize claim expenses without compromising policyholder satisfaction or coverage.
Maintain detailed andaccuraterecords ofestimatereviews, findings, and recommendations.
Generate reports or summaries documenting review outcomes, trends, and areas for improvement.
Negotiate and resolve any disputes or discrepancies with adjusters, vendors, or contractorsregardingestimate findings or recommended modifications.
Stay updated on industry best practices, construction materials, repair methods, and pricing trends to enhance estimation accuracy and effectiveness.
Provide feedback and suggestions for process improvements tooptimizethe estimate review and approval process.
Contributeto the development, enhancement, and maintenance of internal policies, guidelines, and procedures related to property damage estimation, review, and approval.
Assistin training and mentoring new orless-experiencedteam membersor adjustersin propertyestimatereview processes, guidelines, and quality assurance standards.
Shareexpertiseand provide guidance on complex or challenging estimate reviews asrequired.




Ensurea high levelof customer service by promptly addressing inquiries, concerns, or escalations related to property damage estimates.
Collaborate with the claims team to deliveraccurateand fair claim settlements to policyholders whilemaintainingcost control measures.
What you need to succeed: Strong estimating knowledge and experience with Xactimate
Strong knowledge of applicable building codes and construction practices
Strongand effective communication skills
Effective Time management skills
Ability toproblem solveand seek solution driven results
Strong analytical skills toidentify, track and report ontrends
Undergraduate degree preferred
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.
#INDHP

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 usand 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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📌 Property Appraisal Advisor (Ontario)
🏢 Gore Mutual Insurance
📍 Ontario