Sr Field Adjuster

Hanover Insurance Group•Dallas, TX

18d•Remote

About The Position

The Senior Field Adjuster independently manages moderate to complex and high-value field property claims. The role involves advanced investigation, evaluation, and negotiation, including outside field investigations and catastrophe response. The adjuster analyzes claims, collaborates with internal teams and external experts, and may need to travel on short notice. The position requires technical expertise and claims handling consistent with policy provisions, regulations, and best practices. The role delivers clear, empathetic communication and a positive customer experience; makes financial decisions within authority; leads investigations and coverage assessments; manages suspicious claims and potential fraud; identifies risk-transfer and subrogation opportunities; and maintains complete, compliant claim documentation. The adjuster coordinates with internal and external stakeholders, may represent the company in mediations, arbitrations, and trials, and mentors junior adjusters while supporting training and best-practice development. This is a remote, full-time, exempt position serving the Dallas, Texas territory, with field investigations and on-site work as needed.

Requirements

Bachelor’s degree or equivalent experience with claim handling.
Typically 5–10 years of adjusting experience.
Must hold and maintain appropriate state adjuster licenses and continuing education credits.
Valid driver’s license.
Strong Xactimate proficiency; Level II certification preferred.
Strong knowledge of local geography, regulations, and public safety agencies, and ability to build rapport with insureds and navigate the insurance and legal climate.
Strong working knowledge of applicable statutes, regulations, case law, and third-party legal liability concepts.
Negotiation skills and ability to develop strategies to influence outcomes.
Sound judgment and decision-making, including in litigation and compliance matters.
Clear and effective verbal and written communication across varied situations; ability to choose appropriate communication channels and demonstrate empathy.
Organization, workflow and project-management ability, and strong time and desk management skills.
Ability to make informed decisions based on analysis of complex issues, evaluate risks and outcomes, act independently within authority, and identify claims patterns to support resolution strategies.
Ability to assess customer concerns, anticipate questions, explain complex and technical terms clearly, and deliver difficult messages when needed.
Skilled in claims systems and Microsoft Office Suite.
Ability to use a personal computer and standard office equipment.
Ability to sit and/or stand for extended periods.
Ability to work on-site as needed and travel as necessary.
Ability to work in a fast-paced, changing, or stressful environment and in a noisy or loud work environment.
May be required to maintain a sufficient home-based internet connection.
Ability to operate a motor vehicle 4–5 hours per day and get in and out of the vehicle numerous times during the day.
Ability to load and unload equipment and supplies weighing up to 30 pounds from a motor vehicle.
Ability to bend, walk, and climb for several consecutive hours while inspecting damaged buildings, sometimes with utilities turned off or inoperable.
Ability to use a ladder safely to access roofs and maintain balance while inspecting roofs.
Ability to perform field work in adverse weather.

Nice To Haves

Xactimate Level II certification.

Responsibilities

Independently manage field property claims, including claims requiring outside field investigations and catastrophe response.
Communicate empathetically and clearly throughout the claims process, educate claimants and stakeholders, affirm next steps, and support a positive customer experience.
Set reserves, authorize payments, make financial decisions within authority, and contribute to reserving accuracy and efficiency.
Lead investigations, assess coverage, issue appropriate documentation such as reservation-of-rights and coverage letters, and escalate issues as needed.
Investigate and manage suspicious claims using advanced techniques and tools; refer claims to the Special Investigation Unit as needed and remain aware of fraud indicators and reporting obligations.
Identify and pursue appropriate risk-transfer opportunities for insureds and business partners.
Identify subrogation potential and set up files to support recovery efforts.
Maintain detailed claim records and ensure documentation complies with jurisdictional requirements.
Prepare detailed reports summarizing findings and recommendations.
Ensure claims activities comply with regulatory and company standards; execute jurisdictional requirements and support others in understanding regulatory obligations.
Coordinate with legal, underwriting, vendors, agents, and other internal and external stakeholders.
Lead cross-functional meetings and communicate complex information to diverse audiences.
Represent the company in mediations, arbitrations, and trials as needed.
Mentor junior adjusters on complex claims, compliance, and litigation processes.
Support training initiatives and contribute to best practices and educational materials.
Travel as necessary and perform field inspections, including work on damaged buildings and roofs.