Sr Technical Property Adjuster

The Hanover Insurance Group•Toledo, OH

6d•$90,000 - $108,000•Remote

About The Position

The Senior Technical Property Adjuster independently manages highly complex and high-value field property service claims, with minimal oversight. The role involves advanced investigation, evaluation, and negotiation; collaboration with internal teams and external experts; and travel on short notice. The adjuster applies strong technical expertise to manage claims in accordance with policy provisions, regulations, and best practices, delivering quality service and outcomes. This is a remote, full-time, exempt role with field investigations. The position may require on-site work as needed and travel. It includes mentoring junior adjusters, supporting training and best practices, contributing to departmental projects, and representing the company in mediations, arbitrations, or trials when needed.

Requirements

Typically 8 or more years of industry experience.
Bachelor's degree preferred or equivalent experience.
Recognized authority in negotiating highly complex claims and shaping and implementing best practices.
Fluent use of Xactimate, with Level 3 certification or the ability to achieve it.
Strong knowledge of local geography, regulations, public safety agencies, and the insurance and legal climate.
Strong working knowledge of applicable statutes, regulations, case law, and third-party legal liability concepts.
Strong negotiation skills and ability to develop strategies to influence outcomes.
Sound judgment and decision-making, including in litigation and compliance matters.
Expert-level insurance knowledge and deep understanding of legal and regulatory frameworks.
Clear and effective verbal and written communication across varied situations, with empathy toward stakeholders and the ability to explain complex technical terms in accessible language.
Strong organization, time management, desk management, and complex workflow and project management skills.
Ability to analyze complex issues, evaluate risks and outcomes, make independent decisions within authority, and identify claims patterns.
Ability to collaborate with internal and external experts and stakeholders.
Ability to assess customer concerns, anticipate questions, design empathetic service strategies, and deliver difficult messages when needed.
Skilled use of 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 work on-site as needed and travel as necessary.
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 enter and exit it 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, including buildings with utilities turned off or inoperable.
Ability to use a ladder safely to access roofs and maintain balance while inspecting them.
Ability to perform field work in adverse weather.
Must possess or obtain and maintain appropriate state adjuster licenses, continuing education credits, and a valid driver's license.

Nice To Haves

Bachelor's degree.
Industry designation relevant to the role.

Responsibilities

Independently investigate highly complex and sensitive field property service 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.
Collaborate with legal, underwriting, vendors, agents, and other internal and external experts to evaluate claims and determine validity and value.
Lead cross-functional meetings and clearly communicate complex information to diverse audiences.
Serve as a subject matter expert and technical resource for other adjusters, and contribute to departmental projects and initiatives.
Identify and pursue opportunities to transfer risk to appropriate entities for the benefit of insureds and business partners.
Maintain comprehensive, factual, and organized claim records; prepare detailed reports summarizing findings and recommendations; and comply with jurisdictional documentation requirements.
Lead quality and efficiency initiatives for complex claims workflows.
Identify and assign subrogation potential and set up files to support recovery efforts.
Ensure claims activities comply with regulatory and company standards; execute jurisdictional requirements and help others understand regulatory obligations.
Use technology, data tools, and analytics to identify trends, correct inconsistencies, improve outcomes and efficiency, and ensure appropriate data ingestion, labeling, and protection of personally identifiable information.
Negotiate high-value and contested claims using advanced strategies.
Investigate and manage 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, contributing to reserving accuracy and efficiency.
Mentor junior adjusters and support training initiatives and the development of best practices and educational materials.
Communicate empathetically and clearly throughout the claims process, educate claimants and stakeholders, explain next steps, and support a positive customer experience.
Represent the company in mediations, arbitrations, and trials when required.
Maintain appropriate state adjuster licenses and continuing education credits, and a valid driver's license.