Job Title: Homeowners Insurance Property Inspection Analyst: Underwriting
Location: Pune
Shifts: Ability to work in any shifts including night shift
Job Summary
The Homeowners Insurance Property Inspection Analyst supports underwriting operations by reviewing and evaluating property inspection reports, images, and related data to assess insurability and risk exposure. This role plays a critical part in underwriting decision making by ensuring properties meet underwriting guidelines, regulatory standards, and carrier risk appetite.
Key Responsibilities:
- Review property inspection reports, photographs, aerial imagery, and third-party data
- Evaluate property condition, construction, occupancy, and hazard exposures
- Identify underwriting risks related to roof condition, exterior maintenance, electrical, plumbing, and safety hazards
- Apply homeowners underwriting guidelines to determine risk acceptability
- Recommend underwriting actions such as approval, referral, or non-renewal
- Collaborate with Underwriters to support new business, renewals
- Document observations, findings, and underwriting decisions clearly and accurately
- Ensure compliance with company policies, state regulations, and carrier guidelines
- Meet productivity and quality benchmarks while maintaining accuracy
- Support continuous process improvements in inspection review and risk assessment
Required Qualifications:
- Bachelor’s degree or equivalent work experience in insurance or related field
- 1–4 years of experience in homeowners’ insurance underwriting, inspections, or property risk assessment
- Strong understanding of personal lines homeowners’ insurance principles
- Knowledge of underwriting guidelines related to property conditions
- Experience reviewing property inspection reports or loss control data
- Excellent analytical and decision-making skills
- Strong attention to detail and documentation accuracy
- Proficient in MS Office tools and underwriting systems
Preferred/Optional Qualifications:
- Experience with third-party inspection vendors and aerial imagery tools
- Prior underwriting authority or referral experience
- Knowledge of ISO forms and underwriting compliance
Key Skills & Competencies:
- Technical Skills: Property inspection review, risk evaluation, underwriting systems
- Analytical Skills: Risk identification, judgment-based decision making
- Communication Skills: Clear written documentation and stakeholder coordination
- Behavioral Skills: Time management, adaptability, ownership, and quality focus
