Claims Adjuster

Kin Insurance

1d•$65,000 - $80,000•Remote

About The Position

Kin is seeking a Claims Adjuster with first-party property claims experience to join its growing team. The role draws on property-claims expertise to support continued innovation for Kin’s customers and stakeholders. The Claims Adjuster guides customers through property damage claims with empathy and clarity, investigates and manages claims involving a variety of perils, and works toward thorough, timely, and fair resolutions. The position independently manages property claims from first notice of loss through resolution, maintaining customer communication and sound coverage decisions while meeting timeliness, quality, regulatory, and compliance expectations. Kin is a remote-first company, and this role may be based in one of the listed states where the company can hire for positions other than Sales and Customer Service roles. California is available for exempt positions only. The posting asks applicants to be able to live and work full-time in an eligible state; it does not explicitly state this position’s employment schedule.

Requirements

At least 2 years of first-party residential property claims adjusting experience working directly for an insurance carrier.
An active, valid Adjuster’s License in the applicant’s current state of residence.
Knowledge and experience in California claim handling.
Strong understanding of Florida insurance laws and good-faith claims handling.
Ability to work daily and catastrophe claims in high-risk states.
Experience with vendor management and negotiations.
Comfort using claims systems such as Xactimate, XactAnalysis, Symbility, and EagleView.
Ability to work mandatory overtime as needed during catastrophic events.

Nice To Haves

Spanish-speaking bilingual capability.

Responsibilities

Examine and appropriately interpret insureds’ policies, forms in force, and other records to determine coverage and the extent of the company’s liability.
Maintain active communication with customers throughout the claims process.
Draft, approve, and adjust estimates of damage and loss amounts.
Investigate claims using methods such as taking recorded statements, consulting with police, inspecting property damage, and reviewing documentation.
Partner with field appraisers to manage home estimates and repairs.
Estimate the cost of repair, replacement, or compensation.
Write clear, concise diary notes; set field assignments; save contacts; and issue payments.
Apply knowledge of multiple state statutes, including insurance codes of ethics, rules, regulations, and guidelines.
Independently manage a full caseload of property claims from first notice of loss through resolution while meeting timeliness and quality expectations.
Handle claims in accordance with applicable state regulations, compliance requirements, laws, and ethical standards, with well-documented files and sound coverage decisions.
Work mandatory overtime as needed during catastrophic events with high claim volume.

Benefits

Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of the standard compensation package based on role and level.
401(k) with company match up to 4% of eligible earnings.
Multiple medical plan options, plus dental and vision coverage.
Company-funded HSA contributions, based on medical plan selection.
Company-paid life insurance and short-term disability.
Employee referral bonuses.
Supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance.
Access to mental health support and confidential counseling resources.
Flexible PTO for exempt employees; most employees take 15–20 days per year.
Eight company-observed holidays.
Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents.
Career mobility and internal growth opportunities across the organization.
Professional development budgets for certifications, conferences, and learning, subject to management approval.