Senior Claims Adjuster

Kin Insurance

5d•$80,000 - $95,000•Remote

About The Position

Kin is seeking a Senior Claims Adjuster with first-party property claims experience to join its growing team. The role handles complex structure-damage claims, including represented and disputed claims, and works closely with public adjusters, attorneys, contractors, field appraisers, and other vendors to help customers reach fair resolutions as quickly as possible. The adjuster applies property claims expertise and a data-driven mindset to improve claims handling and support Kin’s customers and stakeholders. The role independently manages a caseload of complex property claims from first notice of loss through resolution. It requires sound coverage decisions, clear file documentation, timely customer communication, negotiation, and the use of claims data and technology to identify patterns and recommend improvements. The position is remote-first and may be based in one of the listed eligible states for non-agent roles, subject to the posting’s location requirements. Kin describes success in the first 6 to 12 months as taking ownership of meaningful work, improving operations, and supporting the company’s mission. By the end of the first year, the adjuster should be trusted to independently manage complex represented claims, serve as a resource to peers on difficult files, and produce fair and timely outcomes. Kin is a remote-first employer with offices in Chicago, Illinois, and St. Petersburg, Florida. The company describes its mission as making life simpler, more affordable, and better for homeowners through data, technology, and human support.

Requirements

At least 3 years of first-party residential property claims adjusting experience.
Experience working directly for an insurance carrier.
Experience handling California claims.
Working knowledge of Florida insurance laws and Florida good-faith claims handling.
A data-driven, analytical approach and comfort working with new technology and data.
Experience with vendor management and negotiations.
Comfort using claims systems such as Xactimate, Symbility, and EagleView.
Ability to work mandatory overtime as needed during catastrophe events with high claim volume.

Nice To Haves

Bilingual capability, particularly Spanish-speaking ability.

Responsibilities

Handle complex first-party property claims, including claims involving public adjusters and attorneys, from first notice of loss through resolution.
Examine and interpret insureds’ policies, forms in force, and other records to determine coverage and the extent of company liability on complex or disputed claims.
Negotiate with public adjusters, attorneys, contractors, and vendors to reach fair, well-supported settlements.
Draft, approve, and adjust estimates of damage and loss amounts.
Partner with field appraisers to manage home estimates and repairs.
Investigate claims using methods such as taking recorded statements, consulting with police, inspecting property damage, and reviewing documentation.
Use claims data and technology to analyze losses, identify trends, and improve claims handling.
Maintain active communication with customers throughout the claims process, especially on high-stakes or contentious files.
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 caseload of complex and represented property claims while maintaining fair, timely resolutions and well-documented files.
Use data and claims technology to identify patterns, recommend improvements, and serve as a resource to peers on difficult files.
Work mandatory overtime as needed during catastrophe events that result in high claim volume.

Benefits

Competitive salary and company equity through Restricted Stock Units (RSUs), based on role and level.
401(k) with company match up to 4% of eligible earnings.
Multiple medical plan options, dental coverage, and vision coverage.
Company-funded HSA contributions, depending on medical plan selection.
Company-paid life insurance and short-term disability.
Employee referral bonuses.
Supplemental benefits 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 to 20 days per year.
Eight company-observed holidays.
Paid parental leave of 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.
Professional development budgets for certifications, conferences, and learning, subject to management approval.