Sr Technical Property Adjuster

Hanover Insurance Group•Hartford, CT

4d•Remote

About The Position

The Senior Technical Property Adjuster independently manages highly complex, high-value, and sensitive field property claims with minimal oversight. The role conducts advanced investigations, evaluates coverage and claim value, negotiates resolutions, and ensures claim handling complies with policy provisions, jurisdictional requirements, regulations, and company standards. It includes outside field investigations and catastrophe response, collaboration with internal teams and external experts, travel on short notice, and possible representation of the company in mediations, arbitrations, and trials. The adjuster serves as a technical resource and mentor to other adjusters, contributes to departmental initiatives and best practices, and supports quality and efficiency improvements. The role also maintains thorough claim records and reports, makes financial decisions within authority, identifies recovery and fraud opportunities, and communicates empathetically with claimants and stakeholders. The position is remote, full-time, and exempt, with field investigations and on-site work as needed.

Requirements

Bachelor’s degree or equivalent experience; a bachelor’s degree is preferred.
Typically 8 or more years of industry experience.
Relevant industry designation preferred.
Recognized authority in negotiating highly complex claims and ability to shape and implement best practices.
Fluent in 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.
Advanced negotiation skills and ability to develop strategies that influence outcomes.
Sound judgment and decision-making, including on 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; ability to select appropriate channels and communicate empathetically.
Strong organization, time management, and desk management skills, with ability to manage complex workflows and projects.
Ability to analyze complex issues, make informed decisions independently within authority, assess risks and outcomes, and identify claim patterns.
Ability to collaborate with internal and external experts and stakeholders.
Ability to design empathetic customer service strategies, assess customer concerns, anticipate questions, explain technical terms clearly, and deliver difficult messages when needed.
Skilled in 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 in a fast-paced, changing, or stressful environment.
Ability to perform work in a noisy or loud environment.
Ability to maintain sufficient home-based internet connection if required.
Ability to travel as necessary and operate a motor vehicle for 4–5 hours per day, including repeatedly getting in and out of 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, potentially where utilities are 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.
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.
Xactimate Level 3 certification (or ability to achieve it).

Responsibilities

Independently investigate and resolve highly complex and sensitive field property claims, including claims requiring outside investigations and catastrophe response.
Lead investigations, assess coverage, issue reservation-of-rights and coverage letters, and escalate issues as needed.
Collaborate with legal, underwriting, vendors, agents, and other experts to evaluate claims and determine validity and value.
Lead cross-functional meetings and communicate complex information clearly to varied audiences.
Serve as a subject matter expert and technical resource for other adjusters; 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, organized claim records and ensure documentation complies with jurisdictional requirements.
Lead quality and efficiency initiatives for complex claims workflows.
Identify and assign subrogation potential and establish files to support recovery efforts.
Ensure claims activities comply with regulatory and company standards; execute jurisdictional requirements and support others in understanding them.
Use technology, data tools, and analytics to identify trends, correct inconsistencies, and improve outcomes and claims-handling efficiency.
Negotiate high-value and contested claims using advanced strategies.
Investigate suspicious claims, use advanced techniques and tools, refer claims to the Special Investigation Unit when appropriate, and remain aware of fraud indicators and reporting obligations.
Set reserves, authorize payments, and make financial decisions within authority; contribute to reserving accuracy and efficiency.
Ensure proper data ingestion, labeling, and protection of personally identifiable information.
Prepare detailed reports summarizing findings and recommendations.
Mentor junior adjusters and support training, best-practice development, and educational materials.
Communicate empathetically throughout the claims process, educate claimants and stakeholders, and clarify next steps to 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 maintain a valid driver's license.
Travel as necessary and perform field inspections, including inspecting damaged buildings and roofs in adverse weather conditions.