Claims Adjuster

Kin Insurance

1d•Remote

About The Position

Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder. We start with smarter homeowners insurance and expand to everything homeowners need to thrive. Using data, technology, and thoughtful human support, we’re building products that are clear, fair, and help homeowners feel confident — so homeowners aren’t left behind when they need help most. Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 13 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades. Most importantly, we’re building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. Kin is seeking a Claims Adjuster with first-party property claims experience to join our growing team. Because we tackle insurance differently, we want you to draw on your expertise in property claims while helping us to continue to innovate on behalf of Kin’s customers and our stakeholders. As a Claims Adjuster, you will guide customers through the claims process with empathy and clarity, helping them navigate property damage situations with confidence. You will investigate and manage claims from a variety of perils efficiently and thoroughly to ensure timely, fair resolutions.

Requirements

2+ years of first-party residential property claims adjusting working directly for an insurance carrier
An active, valid Adjusters License in your current state of residence
Knowledge and experience in California claim handling
Strong understanding of Florida insurance laws and good faith claims handling
Capability to work through daily & catastrophe claims in high-risk states
Experience with vendor management and negotiations
Comfortable utilizing various claims systems (i.e. Xactimate, Symbility, EagleView)

Nice To Haves

Bilingual capability is a plus (spanish-speaking)

Responsibilities

Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of company’s liability
Keeping active communication with customers throughout the Claims process
Drafting, approving, and adjusting estimates of damage and loss amounts
Using varying methods of investigation, including taking recorded statements, consulting with police, inspecting property damage, and reviewing documentation
Partner with field appraisers to manage home estimates/repairs
Estimating cost of repair, replacement, or compensation
Writing clear, concise diary notes in addition to setting field assignments, saving contacts, and issuing payments
Appropriately applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines

Benefits

Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level
This role is eligible to earn additional compensation annually through participation in our Kin Leadership Incentive Plan
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
A variety of 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), plus 8 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 available, subject to management approval