Senior Claims Adjuster, Large Loss

Kin Insurance

2d•Remote

About The Position

Kin is seeking a Sr. Large Loss Claims Adjuster with first-party property claims experience to join our growing team! In this role, you will handle high-severity large loss claims and investigate and assess damage and coverage while monitoring all aspects of the claim and applicable coverages and negotiating settlements with all involved parties. You’ll have the chance to work closely with our insured(s), public adjusters, attorneys, contractors, and vendors to help our customers as swiftly as possible. Writing clear, concise diary notes in addition to setting field assignments, issuing payments, and crafting correspondence policy letters will all be a crucial part of this role alongside working closely with your team.

Requirements

5+ years of first-party residential property claims adjusting; prior large loss handling experience is strongly preferred
Your insurance background includes working directly for an insurance carrier
Applicable knowledge of insurance laws and good faith claims handling in multiple states
Experience handling Pre-litigation claims (Public Adjuster/Attorney Represented claims preferred)
Data-driven with an analytical approach; you love working with new tech and getting into the numbers
Experience in vendor management and surrounding negotiations
Comfortable utilizing various claims-related systems and software (i.e. Verisk suite of products, ISO ClaimSearch, Google suite, Excel )
Knowledge of residential construction (including but not limited to mitigation, restoration, roofing, and repair), damage identification techniques, and construction order of operations.
Advanced ability to memorialize details and facts, in writing, regarding activities and communication throughout the life of a claim.
Excellent customer service track record demonstrating quality and attention to detail while supporting policyholders through difficult circumstances
All Claims employees are expected to be available for required overtime and weekend shifts in the event of a catastrophic event.

Responsibilities

Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of the company’s exposure and policy limitations
Applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines
Desk reviewing, drafting, adjusting, and approving estimates of damage and loss amounts for structural damages, mitigation, remediation, etc
Using varying methods of investigation, including taking recorded statements, consulting with experts, identifying property damage, and reviewing documentation
Keeping active communication and working with customers, their representatives, contractors, and experts throughout the Claims process from first notice of the claim through repair completion
Working with public adjusters and attorneys that may represent the insured(s) and responding to all notices and letters in accordance with state guidelines
Independently managing a portfolio of high-severity large loss claims end-to-end, delivering timely, well-documented coverage decisions and fair settlements while maintaining compliance with state regulations and strong file quality standards.
Building trusted relationships with insureds and external partners (public adjusters, attorneys, contractors), effectively navigating complex or escalated claims to resolution while contributing to improved processes, cycle times, and customer experience.

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