Sr Field Adjuster

The Hanover Insurance Group•Bangor, ME

14d•$67,000 - $90,000•Remote

About The Position

The Senior Field Adjuster independently manages moderate-to-complex and high-value field property claims, including claims requiring outside investigations and catastrophe response. The role requires advanced investigation, evaluation, and negotiation skills; thorough claim analysis; and collaboration with internal teams and external experts. The adjuster may need to travel on short notice and is expected to apply technical expertise to manage claims in accordance with policy provisions, regulations, and best practices while delivering high-quality service and outcomes. This is a remote, full-time, exempt position serving the Bangor, Maine territory, with field investigations and on-site work as needed. The position also involves mentoring junior adjusters, supporting training and best-practice development, and coordinating with legal, underwriting, vendors, agents, and other stakeholders. Field duties include inspecting damaged buildings and roofs, potentially in adverse weather and with utilities turned off or inoperable.

Requirements

Bachelor’s degree or equivalent experience with claim handling.
Typically 5–10 years of adjusting experience.
Must have 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, public safety agencies, and the insurance and legal climate.
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 skills, including the ability to explain complex and technical terms in understandable language and deliver difficult messages when needed.
Empathy toward stakeholders and ability to assess customer concerns and anticipate questions.
Strong organization, time management, desk management, and complex workflow and project management skills.
Ability to analyze complex issues, assess risks and outcomes, act independently within authority, and identify claim patterns that support resolution strategies.
Skilled in using 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 for 4–5 hours per day and enter and exit the vehicle numerous times during the day.
Ability to load and unload equipment and supplies weighing up to 30 pounds from a motor vehicle as needed for field work.
Ability to bend, walk, and climb for several consecutive hours while inspecting damaged buildings, often where utilities are turned off or inoperable.
Ability to use a ladder safely to access and leave 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 with claimants and stakeholders, explain the claims process, confirm next steps, and support a positive customer experience.
Set reserves, authorize payments, and make financial decisions within assigned authority; contribute to reserving accuracy and efficiency.
Conduct thorough investigations, assess coverage, prepare documentation such as reservation-of-rights and coverage letters, and escalate issues when needed.
Investigate suspicious claims using advanced techniques and tools, refer claims to the Special Investigation Unit as appropriate, and monitor fraud indicators and reporting obligations.
Identify opportunities to transfer risk to appropriate entities and identify and assign subrogation potential, setting up files to support recovery efforts.
Maintain detailed claim records, comply with jurisdictional requirements, prepare reports summarizing findings and recommendations, and ensure claims activities meet regulatory and company standards.
Execute jurisdictional compliance requirements and help others understand regulatory obligations.
Coordinate with internal and external stakeholders, including legal, underwriting, vendors, and agents; 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 and develop best practices and educational materials.
Travel as necessary and perform field inspections, including inspecting buildings and roofs.