Sr. Complex Claims Adjuster
About The Position
Kin is seeking a Senior Complex Claims Adjuster with first-party property claims experience to join our growing team. Because we tackle insurance differently, we want you to draw on your expertise in property claims while helping us to continue to innovate on behalf of Kin’s customers and our stakeholders. As a Senior Complex Claims Adjuster, you can expect to handle structure, dwelling, and contents claims. It is pivotal that you exhibit strong negotiation tactics in addition to analytical, organizational, and investigative skills as you will be working with larger losses and represented claims. Building rapport and keeping in close contact with our insureds is a vital component to this role, along with outstanding customer service ability, as it will help ensure your continued success.
Requirements
- 3+ years of first-party property claims adjusting experience directly with a carrier, with expertise handling files with exposure up to $100,000, demonstrating deep knowledge of policy interpretation and claims processes.
- Proven ability to manage vendor relationships and negotiate effectively to drive favorable outcomes.
- Experience drafting complex reservation of rights letters, coverage denial letters, and release letters.
- Proven ability to conduct thorough and effective recorded statements in support of claim investigations.
- Ability to recognize potential fraud indicators and identify subrogation opportunities within a claim file.
- Skilled in Xactimate/Xactanalysis, with strong technical acumen across platforms like Excel, Snapsheet, Slack, and CRM systems.
- Exceptional interpersonal skills with a track record of guiding policyholders through challenging situations with empathy and professionalism.
- Working knowledge of insurance laws, good faith practices, timelines, and regulatory requirements across multiple states.
- All Claims employees are expected to be available for required overtime and weekend shifts in the event of a catastrophic event.
Nice To Haves
- Hands-on experience managing attorney- and public adjuster-represented claims is preferred, showcasing strong negotiation and conflict resolution skills.
- Serves as a resource and mentor to less experienced claims team members, supporting their professional development and ensuring consistency in claims handling practices.
- Familiarity with the litigation process, including prior deposition and/or mediation experience preferred
Responsibilities
- Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of company’s liability
- Drafting, approving, and adjusting estimates of damage and loss amounts utilizing Xactimate and Xactanalysis
- Using varying methods of investigation, including taking thorough recorded statements, consulting with police, fire departments inspecting property damage, and reviewing documentation
- Writing clear, concise diary notes, managing and collaborating with vendors on field assignments, setting and saving contacts, and issuing payments
- Appropriately applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines
- Negotiating with attorneys and/or public adjusters to achieve fair and equitable settlements
Benefits
- Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level
- 401(k) with company match up to 4% of eligible earnings
- Multiple medical plan options, plus dental and vision coverage
- Company-funded HSA contributions (based on medical plan selection)
- Company-paid life insurance and short-term disability
- Employee referral bonuses
- A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance
- Access to mental health support and confidential counseling resources
- Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays
- Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents
- Career mobility and internal growth opportunities across the organization
- Professional development budgets for certifications, conferences, and learning available, subject to management approval
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
