Sr Field Adjuster

The Hanover Insurance Group•Dallas, TX

19d•$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 field investigations and catastrophe response. The role calls for advanced investigation, evaluation, and negotiation skills; thorough 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 while handling claims in accordance with policy provisions, regulations, and best practices. This is a remote, full-time, exempt role serving the Dallas, Texas territory, with field investigations and on-site work as needed.

Requirements

Bachelor’s degree or equivalent claim-handling experience.
Typically 5–10 years of adjusting experience.
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, applicable statutes, regulations, case law, and third-party legal liability concepts.
Ability to build rapport with insureds and navigate the insurance and legal climate.
Negotiation skills and ability to develop strategies to influence outcomes.
Sound judgment and decision-making, including on litigation and compliance matters.
Clear and effective verbal and written communication skills, including the ability to explain complex technical terms in understandable language and deliver difficult messages empathetically.
Strong organization, time management, desk management, and complex workflow and project management skills.
Ability to analyze complex issues, assess risks and outcomes, make decisions independently within authority, and identify claim patterns to support resolution strategies.
Ability to use claims systems, Microsoft Office Suite, a personal computer, and standard office equipment.
Ability to sit and/or stand for extended periods.
Ability to travel as necessary and work on-site as needed.
Ability to work in a fast-paced, changing, or stressful environment and in noisy or loud work environments.
May need to maintain a sufficient home-based internet connection.
Ability to operate a motor vehicle 4–5 hours per day and repeatedly get in and out of the vehicle.
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, potentially where utilities are turned off or inoperable.
Ability to use a ladder safely, 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 outside 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 delegated authority; contribute to reserving accuracy and efficiency.
Conduct thorough investigations, assess coverage, issue appropriate documentation such as reservation-of-rights and coverage letters, and escalate issues as needed.
Investigate suspicious claims using advanced techniques and tools, refer matters to the Special Investigation Unit when appropriate, and remain alert to fraud indicators and reporting obligations.
Identify opportunities to transfer risk to appropriate entities and identify and assign subrogation potential while setting up files to support recoveries.
Maintain comprehensive claim records, prepare reports summarizing findings and recommendations, and comply with jurisdictional, regulatory, and company requirements.
Coordinate with legal, underwriting, vendors, agents, and other 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 and development of best practices and educational materials.