Senior Complex Claims Adjuster

• Independently manage a full caseload of complex, high-exposure property claims from first notice of loss through resolution, including attorney- and public adjuster-represented files.
• Examine and interpret insurance policies, applicable forms, records, and other documentation to determine coverage and the extent of liability.
• Handle structure, dwelling, and contents claims, including files with exposure of up to $100,000.
• Investigate claims thoroughly using recorded statements, property inspections, documentation reviews, and information from police, fire departments, vendors, and other relevant sources.
• Prepare, review, and adjust damage estimates and loss valuations using Xactimate and Xactanalysis.
• Draft and manage complex reservation of rights, coverage denial, release, and other claims correspondence.
• Negotiate with attorneys, public adjusters, vendors, and other stakeholders to achieve fair and equitable claim resolutions.
• Apply applicable insurance statutes, regulations, ethical standards, good-faith practices, and claim-handling requirements across multiple states.
• Maintain accurate and well-documented claim files, including diary notes, contacts, payments, investigation findings, and resolution activities.
• Manage vendor relationships and coordinate field assignments to support timely and effective claim resolution.
• Identify potential fraud indicators and recognize opportunities for subrogation within claim files.
• Conduct effective recorded statements and perform detailed analysis to support claim investigations and coverage decisions.
• Monitor claim timeliness, quality, customer satisfaction, and escalation metrics while maintaining appropriate service standards.
• Provide guidance and mentorship to less experienced claims professionals, promoting consistent and high-quality claim-handling practices.
• Contribute to continuous improvement initiatives and help identify opportunities to make claims processes more efficient and effective.
• Remain available for required overtime and weekend work during catastrophic events.

Requirements:

• 3+ years of first-party property claims adjusting experience directly with an insurance carrier, with demonstrated experience handling claims with exposures of up to $100,000.
• Deep knowledge of property insurance policies, coverage interpretation, investigation practices, and end-to-end claims processes.
• Hands-on experience managing claims represented by attorneys and/or public adjusters is strongly preferred, along with strong negotiation and conflict-resolution skills.
• Proven ability to manage vendor relationships and negotiate effectively to achieve favorable and equitable outcomes.
• Experience drafting complex reservation of rights letters, coverage denial letters, release letters, and related claims documentation.
• Strong investigative skills, including the ability to conduct thorough recorded statements and analyze documentation and evidence.
• Ability to recognize potential fraud indicators and identify subrogation opportunities.
• Proficiency with Xactimate and Xactanalysis, along with strong technical skills using tools such as Excel, Snapsheet, Slack, and CRM platforms.
• Working knowledge of insurance laws, good-faith practices, regulatory timelines, and claims requirements across multiple states.
• Familiarity with litigation processes is preferred, including previous deposition and/or mediation experience.
• Exceptional interpersonal and customer-service skills, with the ability to communicate with empathy and professionalism during difficult situations.
• Strong organizational, analytical, decision-making, and problem-solving abilities, with the capacity to manage complex caseloads independently.
• Ability to work effectively in a remote environment while maintaining accountability, responsiveness, and consistent claim-handling quality.
• Demonstrated ability to mentor and support less experienced claims professionals.
• Willingness to work required overtime and weekend shifts when catastrophic events create increased claims demand.
• Ability to live and work full-time in an eligible U.S. state.

Benefits:

• Competitive salary of $80,000–$100,000, with actual compensation based on market conditions, qualifications, experience, and internal pay equity.
• Company equity through Restricted Stock Units (RSUs), included as part of the standard compensation package based on role and level.
• 401(k) plan with company matching contributions of up to 4% of eligible earnings.
• Multiple medical insurance plan options, plus dental and vision coverage.
• Company-funded HSA contributions depending on medical plan selection.
• Company-paid life insurance and short-term disability coverage.
• Supplemental benefits 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, with most employees taking approximately 15–20 days annually.
• 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.
• Employee referral bonuses.
• Career mobility and internal growth opportunities.
• Professional development budgets for certifications, conferences, and learning, subject to management approval.
• Remote-first working environment with flexibility to work remotely within eligible U.S. states.
• Opportunity to make a meaningful impact in a technology-driven insurance environment while working alongside collaborative and knowledgeable claims professionals.