Sr Field Adjuster

Hanover Insurance Group•Bangor, ME

13d•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 requires 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 must manage claims in accordance with policy provisions, regulations, and best practices while delivering high-quality service and outcomes. The position involves communicating empathetically with claimants and stakeholders, investigating and evaluating coverage, making financial decisions within authority, maintaining compliant claim records, and coordinating with internal and external partners. The Senior Field Adjuster may represent the company in mediations, arbitrations, and trials, and mentors junior adjusters while contributing to training and best-practice development. This is a remote, full-time, exempt role serving the Bangor, Maine 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 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, 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 for litigation and compliance matters.
Clear and effective verbal and written communication skills, empathy, and ability to select appropriate communication channels.
Ability to explain complex and technical terms in understandable language, anticipate customer questions, 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 claims patterns to 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 travel as necessary and work on-site as needed.
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 clearly and empathetically throughout the claims process, educate claimants and stakeholders, confirm 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 opportunities to transfer risk to appropriate entities for the benefit of insureds and business partners.
Identify and assign subrogation potential and set up files to support recovery efforts.
Maintain comprehensive claim records, ensure documentation and jurisdictional compliance, and prepare detailed reports with findings and recommendations.
Ensure claims activities comply with regulatory and company standards; execute jurisdictional requirements and help others understand regulatory obligations.
Coordinate with legal, underwriting, vendors, agents, and other internal and external stakeholders.
Lead cross-functional meetings and communicate complex information clearly 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.