Sr Field Adjuster

The Hanover Insurance Group•Decatur, IL

4d•$67,000 - $90,000•Remote

About The Position

The Hanover’s Property Claims department is seeking a Senior Field Property Adjuster for the Springfield, Illinois territory. This is a remote, full-time, exempt role involving field investigations and travel, including travel on short notice. The position independently manages moderate to complex and high-value field property claims, using advanced investigation, evaluation, and negotiation skills. It requires thorough analysis and collaboration with internal teams and external experts to resolve claims in accordance with policy provisions, regulations, and best practices. The role includes investigating claims, assessing coverage, communicating with claimants and stakeholders, setting reserves, authorizing payments, and making financial decisions within assigned authority. The Senior Field Adjuster maintains detailed claim records, ensures regulatory and company compliance, coordinates with legal, underwriting, vendors, and agents, and may represent the company in mediations, arbitrations, and trials. The position also mentors junior adjusters and supports training and the development of best practices.

Requirements

Bachelor’s degree or equivalent experience with claim handling.
Typically 5–10 years of adjusting experience.
Maintain appropriate state adjuster licenses, continuing education credits, and a valid driver’s license.
Strong proficiency in Xactimate.
Strong knowledge of local geography, regulations, public safety agencies, insurance and legal climates, 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 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.
Strong organization, time management, desk management, and complex-workflow skills.
Ability to analyze complex issues, evaluate risks and outcomes, act independently within authority, and identify claim patterns.
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 and work on-site as needed.
Ability to travel as necessary and work in a fast-paced, changing, or stressful environment.
Ability to work in noisy or loud environments.
May need to maintain sufficient home-based internet access.
Ability to operate a motor vehicle 4–5 hours per day and repeatedly enter and exit the vehicle.
Ability to load and unload equipment and supplies weighing up to 30 pounds.
Ability to bend, walk, and climb for several consecutive hours while inspecting damaged buildings, including buildings with utilities turned off or inoperable.
Ability to safely use a ladder to access roofs and maintain balance while inspecting them.
Ability to perform field work in adverse weather.

Nice To Haves

Xactimate Level II certification is preferred.

Responsibilities

Independently manage field property claims, including claims requiring outside field investigations and catastrophe response.
Communicate clearly and empathetically throughout the claims process, educate claimants and stakeholders, and explain next steps.
Set reserves, authorize payments, and make financial decisions within assigned authority.
Lead investigations, assess coverage, issue documentation such as reservation-of-rights and coverage letters, and escalate issues as 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 risk-transfer and subrogation opportunities, assign subrogation potential, and set up files to support recoveries.
Maintain detailed claim records, prepare reports summarizing findings and recommendations, and comply with jurisdictional, regulatory, and company requirements.
Coordinate with internal and external stakeholders, including legal, underwriting, vendors, and agents; lead cross-functional meetings and communicate complex information to varied audiences.
Represent the company in mediations, arbitrations, and trials as needed.
Mentor junior adjusters and support training initiatives, best practices, and educational materials.