Sr Field Adjuster

The Hanover Insurance Group•Plainfield, NJ

2d•$67,000 - $85,000•Remote

About The Position

The Hanover Insurance Group is hiring a remote, full-time, exempt Senior Field Property Adjuster for the Plainfield, New Jersey territory. The role independently manages moderate-to-complex and high-value field property claims, including claims requiring outside investigations and catastrophe response. It requires advanced investigation, evaluation, negotiation, technical, and communication skills, as well as short-notice travel. The adjuster analyzes claims, collaborates with internal teams and external experts, and resolves claims in accordance with policy provisions, regulations, and best practices. The position also includes maintaining claim documentation and regulatory compliance, making coverage and financial decisions within authority, identifying recovery opportunities, and handling suspicious claims. The adjuster may represent the company in mediations, arbitrations, and trials, and mentors junior adjusters. Field duties may involve inspecting damaged buildings and roofs in adverse weather, including sites where utilities are turned off or inoperable. The position requires a valid driver’s license and appropriate state adjuster licenses, continuing education, and travel as necessary.

Requirements

Bachelor’s degree or equivalent experience with claim handling.
Typically 5–10 years of adjusting experience.
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 on litigation and compliance matters.
Clear and effective verbal and written communication across varied situations, with empathy toward stakeholders.
Strong organization, time management, and desk management skills; ability to manage complex workflows and project work.
Ability to analyze complex issues, evaluate risks and outcomes, act independently within authority, and identify claims patterns.
Ability to collaborate with internal and external experts, including legal and underwriting stakeholders.
Ability to assess customer concerns, anticipate questions, explain technical information clearly, and deliver difficult messages when needed.
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 noisy or loud environments.
May need to maintain a sufficient home-based internet connection.
Ability to operate a motor vehicle 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.
Ability to bend, walk, and climb for several consecutive hours while inspecting damaged buildings, including sites where utilities are turned off or inoperable.
Ability to use a ladder safely and maintain balance while inspecting roofs.
Ability to perform field work in adverse weather.

Responsibilities

Independently manage field property claims, including claims requiring outside field investigations and catastrophe response.
Lead investigations, assess coverage, issue documentation such as reservation-of-rights and coverage letters, and escalate issues as needed.
Identify and pursue opportunities to transfer risk to appropriate entities for the benefit of insureds and business partners.
Maintain comprehensive claim records and ensure documentation complies with jurisdictional requirements.
Identify subrogation potential and prepare files to support recovery efforts.
Ensure claims activities meet regulatory and company standards; execute jurisdictional compliance requirements and help others understand regulatory obligations.
Investigate suspicious claims using advanced techniques and tools, refer claims to the Special Investigation Unit as needed, and remain alert to fraud indicators and reporting obligations.
Set reserves, authorize payments, and make financial decisions within authority; contribute to reserving accuracy and efficiency.
Coordinate with legal, underwriting, vendors, agents, and other stakeholders; lead cross-functional meetings and communicate complex information clearly.
Use tools and analytics to identify trends, correct inconsistencies, and improve claims efficiency; ensure appropriate data ingestion, labeling, and protection of personally identifiable information.
Prepare detailed reports summarizing findings and recommendations.
Mentor junior adjusters and support training, best practices, and educational materials.
Communicate empathetically with claimants and stakeholders, explain the process and next steps, and support a positive customer experience.
Represent the company in mediations, arbitrations, and trials as needed.
Maintain required state adjuster licenses, continuing education credits, and a valid driver’s license.