Property Risk Claims Consultant III

Role Description

We are seeking an experienced Property Claim Consultant to serve as a trusted adviser to clients requiring claim preparation assistance on large, complex property insurance and construction-related losses. The Property Claim Consultant will primarily be responsible for project managing, quantifying, and supporting the resolution of large, complex property damage and construction-related losses, including associated time element impacts.

The ideal candidate will bring 12–15+ years of experience in complex property loss consulting, construction estimating, and insurance claim quantification, with deep exposure to sectors such as Real Estate, Energy, Power, Natural Resources, Hospitality, and Industrial / Manufacturing.

This role involves leading the claim preparation process from loss through resolution, working in close collaboration with the client, Aon Account Team, and internal claim preparation accountants and specialists. Regular engagement with insurer representatives, adjusters, and other external stakeholders—including legal counsel, engineers, and contractors—is required to support claim strategy, ensure consistency of messaging, and facilitate timely resolution.

Key Responsibilities

• Lead the project management and quantification of large and complex property damage claims, including construction-related losses.
• Develop repair and rebuild scopes, cost estimates, and loss valuations in collaboration with engineers, contractors, and specialists.
• Prepare replacement cost valuations, repair-versus-replace analyses, and loss mitigation plans.
• Evaluate construction schedules, delay, and rebuild projections to support claim recovery.
• Ability to prepare and interpret critical-path recovery schedules and clearly communicate schedule-driven impacts to support claim strategy and loss quantification.
• Utilize industry-standard estimating tools and cost databases (e.g., Marshall & Swift, RSMeans; Xactimate experience is a plus).
• Review, audit, and analyze financial and accounting records including P&L statements, budgets, invoices, contracts, inventory records, and production data.
• Quantify client losses in accordance with policy terms, conditions, exclusions, and applicable sublimits.
• Compile, validate, and reconcile large data sets related to property damage and associated costs.
• Serve as a primary point of contact for clients on assigned engagements, acting as a trusted adviser throughout the claim process.
• Communicate clearly and effectively with clients, insurers, adjusters, auditors, legal counsel, and consultants.
• Provide regular project updates and support claim strategy discussions, mediations, and settlement negotiations.

Qualifications

• 12–15+ years of experience in complex property loss consulting, construction estimating, insurance claim preparation, and claim quantification.
• Demonstrated experience supporting large, complex losses across sectors including Real Estate, Energy, Power, Natural Resources, Hospitality, and Industrial / Manufacturing.
• Strong understanding of commercial property insurance coverage, claim processes, and loss documentation standards.
• Experience leading and project managing large-loss and catastrophe-related claims.
• Advanced knowledge of construction estimating and repair methodologies.

Education

• Bachelor’s degree from an accredited college or university.

Travel Requirements

• Domestic and potential international travel, including catastrophe-related assignments approximately 30-40%.

Pay Transparency Laws

The salary range for this position (intended for U.S. applicants) is $150,000 to $250,000 annually. The actual salary will vary based on applicant’s education, experience, skills, and abilities, as well as internal equity and alignment with market data. The salary may also be adjusted based on applicant’s geographic location.

This position is eligible to participate in one of Aon’s annual incentive plans to receive an annual discretionary bonus in addition to base salary. The amount of any bonus varies and is subject to the terms and conditions of the applicable incentive plan.

Benefits

• A comprehensive package of benefits for full-time and regular part-time colleagues, including, but not limited to:
• A 401(k) savings plan with employer contributions.
• An employee stock purchase plan.
• Consideration for long-term incentive awards at Aon’s discretion.
• Medical, dental and vision insurance.
• Various types of leaves of absence.
• Paid time off, including 12 paid holidays throughout the calendar year.
• 15 days of paid vacation per year.
• Paid sick leave as provided under state and local paid sick leave laws.
• Short-term disability and optional long-term disability.
• Health savings account, health care and dependent care reimbursement accounts.
• Employee and dependent life insurance and supplemental life and AD&D insurance.
• Optional personal insurance policies, adoption assistance, tuition assistance, commuter benefits.
• An employee assistance program that includes free counseling sessions.