Senior Claims Adjuster, Large Loss

Kin Insurance, Inc.

Job Overview

Location

Remote (United States)

Job Type

Full-time

Full Job Description

📋 Description

• Handle high-severity property claims end-to-end – investigate, negotiate, and resolve complex losses while guiding customers through critical moments.
• Examine and interpret insureds’ policies, forms in force, and other records to determine coverage and extent of the company’s exposure and policy limitations.
• Apply knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines.
• Desk review, draft, adjust, and approve estimates of damage and loss amounts for structural damages, mitigation, remediation, etc.
• Use varying methods of investigation, including taking recorded statements, consulting with experts, identifying property damage, and reviewing documentation.
• Keep active communication and work with customers, their representatives, contractors, and experts throughout the claims process from first notice of the claim through repair completion.
• Work with public adjusters and attorneys that may represent the insured(s) and respond to all notices and letters in accordance with state guidelines.
• Independently manage a portfolio of high-severity large loss claims end-to-end, delivering timely, well-documented coverage decisions and fair settlements while maintaining compliance with state regulations and strong file quality standards.
• Build trusted relationships with insureds and external partners (public adjusters, attorneys, contractors), effectively navigating complex or escalated claims to resolution while contributing to improved processes, cycle times, and customer experience.
• Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.
• Using data, technology, and thoughtful human support, we’re building products that are clear, fair, and help homeowners feel confident — so homeowners aren’t left behind when they need help most.
• Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 13 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades.
• We’re building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other.
• You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward.
• By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you’ve helped make.

🎯 Requirements

• 5+ years of first-party residential property claims adjusting; prior large loss handling experience is strongly preferred
• Your insurance background includes working directly for an insurance carrier
• Applicable knowledge of insurance laws and good faith claims handling in multiple states
• Experience handling Pre-litigation claims (Public Adjuster/Attorney Represented claims preferred)
• Data-driven with an analytical approach; you love working with new tech and getting into the numbers
• Experience in vendor management and surrounding negotiations
• Comfortable utilizing various claims-related systems and software (i.e. Verisk suite of products, ISO ClaimSearch, Google suite, Excel)
• Knowledge of residential construction (including but not limited to mitigation, restoration, roofing, and repair), damage identification techniques, and construction order of operations.
• Advanced ability to memorialize details and facts, in writing, regarding activities and communication throughout the life of a claim.
• Excellent customer service track record demonstrating quality and attention to detail while supporting policyholders through difficult circumstances

🏖️ 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
• This role is eligible to earn additional compensation annually through participation in our Kin Leadership Incentive Plan
• 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

Skills & Technologies

REST

Senior

Remote

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Kin Insurance, Inc.

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About Kin Insurance, Inc.

Kin Insurance is a direct-to-consumer home insurance technology company that uses data and analytics to offer affordable coverage to homeowners in catastrophe-prone regions. Licensed in multiple states, it provides policies underwritten by partner carriers and its own risk-bearing entity, focusing on wind, hail, hurricane and wildfire exposures. Customers purchase, manage and file claims entirely online or via mobile app, reducing administrative overhead and allowing rapid pricing and binding. Headquartered in Chicago, the company also operates a Florida-domiciled carrier, Kin Interinsurance Network, to retain risk and maintain rate and form control.

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