Senior Underwriting Property Inspection Specialist

Applicants must be a resident and work from one of the following states: WA or OR, with occasional travel to our headquarters, located in Seattle, WA.

Who We Are:

At PEMCO, we’re all about people – our customers, our employees, and the community. We’re a mutual insurance company owned by our Northwest policyholders. We provide auto, home, renters, and boat coverage. Recognized by Forbes as one of America’s Best Insurance Companies in both Auto and Home for 2026, based on customer survey feedback, and by Newsweek as one of America’s Greatest Midsize Workplaces 2025. We are consistently recognized for our outstanding customer service, employee expertise, community partnerships, and social impact programs. All of which makes PEMCO a great place to work!

Our social impact programs motivate high achievement by youth in education; build stronger and greener communities; and increase safety at home, on the road, and at play. We’re committed to diversity, equity, inclusion, and belonging, and to fostering an inspiring and inclusive workplace. These efforts create and cultivate an environment that builds fairness and understanding, encourages collaboration and flexibility, and celebrates all the ways in which we’re different and the same – enabling all individuals to achieve their full potential.

Why We Need You:

The Senior Underwriting Property Inspection Specialist position is responsible for evaluating residential property replacement values and geographical risk factors across the Pacific Northwest to support informed underwriting decisions and provide expertise and education through collaboration with the Underwriting team, members and stakeholders to drive profitable growth and retention.

What You’ll Be Doing:

• Conduct desk reviews of third-party residential inspection reports and other property data sources and tools to validate replacement costs, identify condition and hazard concerns, and recommend actions to mitigate risk exposure.

• Provide expert evaluation of residential replacement costs, including complex, custom and high value properties.

• Apply regional risk expertise including residential wildfire risk and mitigation recommendations for individual properties and portfolio concentration management.

• Perform underwriting field inspections on an infrequent case-by-case basis as directed by management.

• Maximize inspection review productivity while maintaining accuracy, objectivity and adherence to established service standards and cycle times.

• Develop and deliver technical guidance, training and educational resources for Underwriting, members and stakeholders.

• Ongoing professional development including residential construction practices, building codes, emerging materials, industry trends, underwriting guideline updates and use of property valuation tools.

• Represent the Underwriting Department as a subject matter expert on cross-functional initiatives and projects.

• Lead the inspection vendor program, including onboarding, training, workflow and relationship management and performance monitoring.

• Assist with escalated issues relating to the inspection program and develop effective resolutions.

• Evaluate inspection review processes and propose improvements that enhance workflow efficiency, member experience and underwriting outcomes.

• Identify opportunities to enhance property underwriting decisions and guidelines through analysis of inspection findings, loss experience, and industry developments.

• Cultivate and maintain collaborative relationships with Property Claims partners to monitor loss trends and share insights to inform underwriting decisions.

• Demonstrate behaviors consistent with PEMCO's policies, values, code of ethics and business conduct.

• Authentically support the PEMCO Brand and constantly are on the lookout for top talent to join us to achieve our Mission to Worry Less and Live More.

• Other duties as assigned.
  
  

What You'll Bring:

• B.A. or B.S. degree or equivalent work experience
• 4 years' experience in personal lines property related insurance role with increasing levels of responsibility is required
• Chartered Property Casualty Underwriter (CPCU) designation preferred
• Customer First: Has a relentless focus on the customer and dives deep into the challenges they face with a strong customer service orientation is required
• MS Office: Skilled proficiency in Excel, Word, PowerPoint, Outlook is required
• Job specific: Valid driver's license and a good driving record is required
• Independent: Is highly self-motivated and self-directed. The ability to work with limited direction and communicate relevant information to the appropriate levels during times of uncertainty is required
• Organized: Has excellent time management skills and easily manages multiple tasks, activities, and projects
• Highly Analytical: Is passionate about working with disparate datasets bringing data together to answer business questions. Collaborates to create, manage, and translate data to meaningful insights. Can work with external vendors to integrate data for analysis; knows how to build efficient and scalable infrastructure and data models
  
  

Compensation:

The pay range for this role is shown below. Compensation decisions are determined based on an individual’s qualifications, job-related knowledge, skills, and experience.

• Greater Seattle area target pay range: $116,338 - $142,190. The full pay range is $96,948 - 161,580.
• Outside Greater Seattle area target pay range: $102,670- $125,486. The full pay range is $85,559- $142,598.

Greater Seattle Area is defined as working within approximately 100 miles of Seattle.
Outside Greater Seattle is defined as working approximately 100 miles or more from Seattle.

Benefits:

Regular part-time PEMCO employees working at least 24 hours per week and regular full-time PEMCO employees are eligible to elect coverage under medical, dental, and vision plans for themselves and their eligible family members with generous employer premium cost shares. In addition, as a benefits-eligible employee, you are:

• covered by employer-paid basic life and accidental death & dismemberment insurance policies as well as long- and short-term disability benefit coverages.
• eligible to participate in PEMCO’s 401(k) plan, which includes a generous employer match (2 for 1 on the first 6% employee pre-tax and/or Roth deferral, up to federal maximums).
  
  

PEMCO provides the following paid leave programs for benefits-eligible employees in their first year of PEMCO employment:

• Vacation and eight (8) paid holidays.
• Granted four (4) floating holidays and up to ten (10) days of sick leave immediately upon hire (pro-rated based on hire date and full-time/part-time status).
• In addition, PEMCO provides paid time off for bereavement, jury duty, and employee volunteering in the community.

Other miscellaneous benefit programs offered by PEMCO include:

• Education Assistance Program after one year of service.
• Scholarship program for children of PEMCO employees after one year of service; children’s birthday gift program
• Flexible Spending Accounts, Employee Assistance Program, and charitable gift matching

Other compensation depending on role, contributions, and performance may include:

• Discretionary bonuses.
• Tiered sales commissions and/or incentives

Equal Employment Opportunity:

At PEMCO, we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our products, and our community to flourish. PEMCO is honored to be an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national orientation, age, citizenship, marital status, disability, gender identity, sexual orientation, or veteran status.

Accommodations

At PEMCO, people are at the heart of our business. We’re committed to providing an inclusive hiring experience for all candidates. If you need reasonable accommodations to apply for a role or participate in an interview, please contact us by email with your name, the job reference number(s), your preferred contact method, and a brief description of the accommodation needed. Requests are considered on a case by case basis in accordance with applicable disability laws, including the ADAAA.

Applicants have rights under Federal Employment Laws:

• Family and Medical Leave Act (FMLA)
• Equal Employment Opportunity (EEO)
• Employee Polygraph Protection Act (EPPA)