Sr Field Adjuster

The Hanover Insurance Group•New Haven, CT

17d•$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 manages claims in accordance with policy provisions, regulations, and best practices, and may need to travel on short notice. The role includes communicating empathetically and clearly with claimants and stakeholders, educating them about the process, and supporting a positive customer experience. The adjuster investigates and evaluates coverage, makes decisions within their authority, and works with internal and external partners to resolve claims. The position is remote, with field investigations, and requires on-site work as needed. Travel and physically demanding inspections are part of the job.

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 Xactimate proficiency.
Knowledge of local geography, regulations, public safety agencies, applicable statutes, regulations, case law, third-party legal liability concepts, and the insurance and legal climate.
Ability to build rapport with insureds.
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, including the ability to explain complex or technical matters in understandable language and deliver difficult messages when needed.
Strong organization, time management, desk management, and complex workflow and project management skills.
Ability to analyze complex issues, evaluate risks and outcomes, act independently within authority, and identify claim patterns that inform 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 and work in a fast-paced, changing, or stressful environment, including noisy or loud conditions.
Ability to travel as necessary and work on-site as needed.
May need 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 it numerous times during the day.
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, potentially with utilities turned off or inoperable.
Ability to use a ladder safely, get on and off roofs, and maintain balance while inspecting roofs.
Ability to perform field work in adverse weather.

Nice To Haves

Xactimate Level II certification is preferred.

Responsibilities

Independently manage moderate to complex and high-value field property claims, including 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, and make financial decisions within authority; contribute to reserving accuracy and efficiency.
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 when appropriate, and monitor fraud indicators and reporting obligations.
Identify opportunities to transfer risk to appropriate entities, identify and assign subrogation potential, and set up files to support recovery.
Maintain detailed claim records and documentation, prepare reports with findings and recommendations, and ensure compliance with jurisdictional, regulatory, and company standards.
Coordinate with legal, underwriting, vendors, agents, and other stakeholders; lead cross-functional meetings and explain complex information to diverse audiences.
Represent the company in mediations, arbitrations, and trials as needed.
Mentor junior adjusters and support training, best practices, and educational materials.
Travel as necessary and conduct field inspections of damaged buildings and roofs.