Sr Field Adjuster

Hanover Insurance Group•Atlanta, GA

2d•Remote

About The Position

The Sr Adjuster Field Service Claims independently manages moderate-to-complex and high-value field property claims. The role involves advanced investigation, evaluation, and negotiation; detailed analysis; collaboration with internal teams and external experts; and travel on short notice. The adjuster handles claims in accordance with policy provisions, regulations, and best practices to deliver high-quality service and outcomes. The position is remote and full-time/exempt, covers the Atlanta, Georgia territory, and includes field investigations.

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 and appropriate selection of communication channels.
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 claim patterns to support resolution strategies.
Ability to collaborate with internal and external experts, including legal and underwriting stakeholders.
Ability to assess customer concerns, anticipate questions, explain complex technical terms clearly, and deliver difficult messages when needed.
Skilled in claims systems and Microsoft Office Suite; able to use a personal computer and standard office equipment.
Must 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 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 detailed claim records and ensure documentation complies with jurisdictional requirements.
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.
Investigate and manage suspicious claims using advanced techniques and tools; refer claims to the Special Investigation Unit as needed; and remain aware of fraud indicators and reporting obligations.
Set reserves, authorize payments, and make financial decisions within authority while contributing to reserving accuracy and efficiency.
Coordinate with internal and external stakeholders, including legal, underwriting, vendors, and agents.
Lead cross-functional meetings and communicate complex information clearly to diverse audiences.
Use advanced tools and analytics to identify trends, correct inconsistencies, and improve claims-handling efficiency.
Ensure appropriate data ingestion, labeling, and protection of personally identifiable information.
Prepare detailed reports summarizing findings and recommendations.
Mentor junior adjusters on complex claims, compliance, and litigation processes; support training and develop best practices and educational materials.
Communicate empathetically and clearly throughout the claims process, educate claimants and stakeholders, affirm 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.