Sr Field Adjuster

The Hanover Insurance Group•Atlanta, GA

3d•$67,000 - $90,000•Remote

About The Position

The Hanover Insurance Group is hiring a Senior Field Property Adjuster for the Atlanta, Georgia territory. This is a remote, full-time, exempt role involving field investigations. The position independently manages moderate to complex and high-value field property claims, using advanced investigation, evaluation, and negotiation skills. It requires thorough analysis, collaboration with internal teams and external experts, short-notice travel, and strong technical expertise to handle claims in accordance with policy provisions, regulations, and best practices. The role includes conducting field investigations and catastrophe response, assessing coverage, documenting claim findings, managing financial decisions within authority, and coordinating with stakeholders such as legal, underwriting, vendors, and agents. The adjuster also supports compliance, fraud detection, subrogation, claims-process improvements, mentoring, and a positive customer experience. The position may involve representing the company in mediations, arbitrations, and trials. The role requires appropriate state adjuster licenses, continuing education credits, and a valid driver’s license. Field work may involve travel, inspections in adverse weather or challenging building conditions, and physical activities such as climbing, bending, walking, and handling equipment.

Requirements

Bachelor’s degree or equivalent experience with claim handling.
Typically 5–10 years of adjusting experience.
Strong knowledge of local geography, regulations, public safety agencies, and the insurance and legal climate.
Working knowledge of applicable statutes, regulations, case law, and third-party legal liability concepts.
Ability to build rapport with insureds and other stakeholders.
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 skills, with empathy and the ability to select appropriate communication channels.
Strong organization, time management, desk management, and complex-workflow skills.
Ability to analyze complex issues, assess risks and outcomes, act independently within authority, and identify claims patterns.
Ability to collaborate with legal, underwriting, and other internal and external experts.
Ability to assess customer concerns, anticipate questions, explain technical information in understandable language, 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 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 sufficient home-based internet service.
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 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 them.
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 requirements, and support others in understanding regulatory obligations.
Investigate suspicious claims using advanced techniques and tools, refer claims to the Special Investigation Unit as needed, and maintain awareness of fraud indicators and reporting obligations.
Set reserves, authorize payments, make financial decisions within authority, and contribute to reserving accuracy and efficiency.
Coordinate with internal and external stakeholders, lead cross-functional meetings, and communicate complex information clearly.
Use tools and analytics to identify trends, correct inconsistencies, and improve claims-handling efficiency; ensure proper data ingestion, labeling, and protection of personally identifiable information.
Prepare detailed reports summarizing claim findings and recommendations.
Mentor junior adjusters and support training initiatives and 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 as needed.
Maintain appropriate state adjuster licenses, continuing education credits, and a valid driver’s license.

Benefits

Medical, dental, vision, life, and disability insurance
401(k) with company match
Tuition reimbursement
Paid time off
Company-paid holidays
Flexible work arrangements
Cultural Awareness Day in support of IDE
On-site medical/wellness center at the Worcester location
Career development through on-the-job experiences, personalized coaching, and learning and development programs
Potential annual bonus, long-term incentive, or spot recognition awards