Liability Claims Specialist

Kin Insurance•St. Petersburg, FL

1d•$80,000 - $100,000•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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest. 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 14 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, including: Built In Chicago's Best Places to Work, Midsize Companies (2021-2026), Forbes' America's Best Startup Employers (2026), Inc. 5000 Fastest-Growing Private Companies, Forbes’ Fintech 50 (2023-2026), Great Places to Work Certified (May 2024-May 2027). 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. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we're building, visit kin.com and see how we work (https://www.linkedin.com/company/kin-insurance/life/kin/).

Requirements

1–2 years minimum experience adjusting liability property claims, including bodily injury and property damage
Direct experience working attorney-represented, litigated claims
Working knowledge of multiple state insurance laws and good faith claims handling
Active adjuster license(s) in required states, or ability to obtain one within a defined timeframe
Ability to manage a high-volume caseload with competing deadlines
Strong negotiation and conflict resolution skills in claim settlement contexts
Data-driven, analytical approach to evaluating liability and damages

Nice To Haves

Prior carrier experience

Responsibilities

Investigate coverage, liability, and damages on casualty claim files involving complex issues, severe injuries, and multiple parties
Conduct recorded statements, consult with police and experts, inspect property damage, and review medical records to build a complete claim picture
Evaluate liability and damages exposure, including bodily injury and property damage
Set and adjust reserves based on ongoing investigation findings
Manage pre-suit and litigation claims with outside counsel, including mediations, depositions, and other litigation events
Identify and refer potential subrogation or fraud indicators
Maintain clear, accurate claim file documentation in compliance with state regulations and company guidelines
Own a caseload of claims from first notice of loss through resolution
Use AI tools where they support faster, more accurate claims handling, consistent with team practice

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
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
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