Subrogation Adjuster Jobs

About The Position

Requirements

• At least 8 years of property claims experience, including at least 5 years dedicated exclusively to property subrogation rather than front-line claim handling.
• Deep knowledge of cause-and-origin and theories of liability involving fire, water, product failure, and construction defects.
• Knowledge of complex, multi-state legal issues, including waiver of subrogation, anti-subrogation, comparative fault, made-whole, spoliation, and statutes of limitations.
• Ability to critically evaluate and challenge expert reports and exercise sound judgment on expert and litigation spending.
• Demonstrated success identifying high-value recovery opportunities, preserving evidence, and negotiating complex, disputed, high-stakes matters to resolution.
• Hands-on experience directing outside counsel and third-party vendors while managing cost, scope, and timelines.
• Active adjuster license(s) or eligibility for licensing across all required states.
• Ability to work independently and adapt in a fast-paced remote environment, use modern claims tools, and model Openly’s values of Integrity, Teamwork, Curiosity, Urgency, and Empathy.

Nice To Haves

• CSRP (Certified Subrogation Recovery Professional) or comparable designation.
• Prior experience establishing or improving a dedicated subrogation or recovery function.
• Experience with inter-company arbitration, such as Arbitration Forums.
• Experience with auto claims subrogation.
• Familiarity with claims management systems, estimating platforms such as Cotality, and Microsoft Office Suite or Google products.
• Bachelor’s degree and/or AIC, CPCU, or another relevant professional designation.

Responsibilities

• Review paid and open homeowner claims to identify subrogation potential early, evaluate liability, and develop documented recovery plans.
• Investigate causes and origins of loss and identify potential responsible parties, including manufacturers, contractors, tenants, utilities, and other third parties.
• Preserve and acquire evidence promptly, provide notice to relevant parties, and coordinate joint inspections to prevent spoliation.
• Select and deploy appropriate forensic investigators, engineers, and other experts based on the facts and likely value to recovery.
• Evaluate whether litigation is justified by weighing potential recovery against expert and legal costs, jurisdictional hurdles, and collection prospects.
• Partner with the subrogation vendor and outside counsel on placed files; review and approve expense and litigation requests, coordinate evidence, set expectations, manage cost and scope, and monitor progress.
• Train, coach, and provide feedback to front-line claims adjusters so they can identify, refer, and preserve subrogation opportunities effectively.
• Collaborate with SIU, Legal, and Catastrophe teams to identify recurring recovery opportunities.
• Negotiate with carriers, third parties, self-insureds, public adjusters, and attorneys, and pursue inter-company arbitration when appropriate.
• Provide front-line adjusters with proactive direction on recovery opportunities, evidence preservation, and scene investigation.
• Serve as a subject matter expert and provide ongoing training and guidance to the claims team.
• Maintain accurate recovery files and reserves, report results against recovery goals, and regularly adjust reserves to reflect actual results and realistic recovery experience.
• Use operational data and field insights to continuously improve Openly’s recovery program.

Benefits

• Remote-first culture and flexible work model.
• Competitive base salary and equity.
• Medical, dental, and vision plans.
• Life and disability insurance, including voluntary supplemental options.
• Up to 8 weeks (320 hours) of paid parental leave for eligible employees, with additional disability coverage available for birthing parents.
• 401(k) company contribution of 3% of gross income, regardless of employee contributions.
• $1,500 upfront home office allowance and a $75 monthly internet stipend.
• $2,000 annually for professional development.
• $50 monthly health and wellness stipend through the Be Well program.
• Paid volunteer time.
• Financial rewards for referring talent.
• Some roles may be eligible for cash incentives or sales commissions.