Liability & Litigation Adjuster (Homeowners Insurance)

Hippo Insurance•Austin, TX

9d•$110,000 - $133,000

About The Position

The Liability and Litigation Adjuster manages a caseload of complex homeowners’ property and liability claims, with particular emphasis on litigated and pre-litigation files. The role investigates losses, evaluates coverage, and negotiates settlements while collaborating with policyholders, vendors, and outside counsel to achieve fair, accurate, and timely claim resolution. The adjuster also serves as a technical resource and mentor to team members and may provide support at the supervisor level as needed. Hippo is a diversified carrier platform that uses technology and data to help customers protect their homes and partners with MGAs to deliver tailored program solutions. The company emphasizes ownership, curiosity, collaboration, and continuous improvement.

Requirements

At least six years of Property & Casualty claims experience, including at least three years adjusting litigated liability claims involving both first- and third-party matters.
Knowledge of homeowners’ liability exposure, litigation processes, and potential bad-faith considerations.
Experience handling complex first-party litigation, including files involving potential bad-faith allegations.
Working knowledge of claims investigation practices, policy interpretation, and settlement negotiation.
General understanding of good-faith and fair-dealing principles and the ability to apply them in file analysis.
Thorough understanding of applicable Department of Insurance regulations and compliance requirements.
Active multi-state claims adjuster license(s), including Texas, and ability to obtain additional state licenses as required.
High school diploma or equivalent combined with the required claims experience, or a bachelor’s degree in business, risk management, or a related field.
Strong critical-thinking skills and ability to identify irregularities and support fraud-prevention efforts.
Excellent written and verbal communication skills.
Strong organizational skills, attention to detail, and accurate record-keeping.
Ability to manage a varied caseload using sound independent judgment while collaborating with team members, vendors, and outside counsel.
Ability to work effectively in a fast-paced, dynamic environment and prioritize competing demands.

Nice To Haves

Bachelor’s degree in business, risk management, or a related field.
Professional claims designation such as Associate in Claims (AIC) or Senior Claims Law Associate (SCLA).
Experience with Special Investigations Unit (SIU) or fraud-related matters.

Responsibilities

Manage all aspects of Personal Lines Homeowners property and liability losses, particularly litigated files.
Contact policyholders promptly to establish expectations, develop an action plan, and complete an initial exposure assessment.
Investigate claims of varying complexity, including reviewing transferred files and determining an appropriate plan of action.
Analyze investigation findings and policy language to determine coverage.
Communicate coverage determinations clearly, professionally, and with a customer-focused approach.
Assign and coordinate vendors for required field work.
Maintain complete, accurate, and timely electronic documentation of claim-file activity.
Evaluate and negotiate settlements within assigned authority, escalate matters to management when appropriate, and issue payments.
Follow up regularly and promptly on assigned files, resolve claims appropriately, and keep policyholders informed throughout the claim lifecycle.
Monitor and adjust claim-file reserves to reflect current exposure.
Collaborate with property adjusters and legal counsel on litigated and potentially litigated matters.
Serve as a technical resource, mentor, and trainer for team members, and provide supervisor-level coverage upon request.

Benefits

Multiple medical plans.
Dental and vision plans fully covered by the employer for team members and their families.
401(k) retirement plan.
Short- and long-term disability coverage.
Employer-paid life insurance.
Flexible Spending Accounts for health and dependent care.
Employee Assistance Program.
Equity compensation eligibility.
Training and internal career growth opportunities.
Flexible time off.
12 weeks of parental leave for primary and secondary caregivers.