Job Overview
Location
Remote (United States)
Job Type
Full-time
Category
Software Engineering
Date Posted
July 2, 2026
Full Job Description
đź“‹ Description
- • Take full ownership of complex, high-exposure first-party property claims from first notice of loss through final resolution, including represented files with exposures up to $100,000.
- • Investigate claims using multiple methods: conducting recorded statements, consulting with police and fire departments, inspecting property damage, and reviewing documentation to determine coverage and liability.
- • Interpret insured policies, forms in force, and state-specific insurance codes to accurately assess company liability and issue clear coverage decisions.
- • Draft, approve, and adjust damage and loss estimates using Xactimate and Xactanalysis, ensuring accuracy and compliance with regulatory standards.
- • Negotiate settlements with attorneys and public adjusters to achieve fair, equitable outcomes while maintaining strong customer relationships.
- • Write clear, concise diary notes, manage vendor relationships, coordinate field assignments, and issue payments in alignment with company protocols.
- • Prepare and issue complex reservation of rights letters, coverage denial letters, and release letters with legal and regulatory precision.
- • Identify potential fraud indicators and recognize subrogation opportunities within claim files to protect company interests.
- • Maintain compliance with insurance laws, good faith practices, and regulatory timelines across multiple states.
- • Serve as a mentor and resource to less experienced claims adjusters, promoting consistency in claims handling and professional development.
- • Remain available for required overtime and weekend shifts during catastrophic events to ensure timely claim resolution.
- • Deliver exceptional customer service by guiding policyholders through stressful situations with empathy, professionalism, and clear communication.
- • Utilize CRM systems, Snapsheet, Slack, and Excel to manage workflows, track communications, and maintain organized claim files.
- • Ensure all claim files are well-documented, with sound reasoning for coverage determinations, denials, and settlement offers.
- • Contribute to operational improvements by applying insights and feedback to enhance claims processes and customer outcomes.
🎯 Requirements
- • 3+ years of first-party property claims adjusting experience directly with an insurance carrier
- • Hands-on experience managing attorney- and public adjuster-represented claims
- • Proven proficiency in Xactimate and Xactanalysis for damage estimation and analysis
- • Demonstrated ability to draft reservation of rights letters, coverage denial letters, and release letters
- • Working knowledge of insurance laws, regulations, and good faith practices across multiple states
- • Ability to conduct thorough recorded statements and identify fraud indicators or subrogation opportunities
🏖️ Benefits
- • Competitive salary and company equity through Restricted Stock Units (RSUs)
- • 401(k) with company match up to 4% of eligible earnings
- • Multiple medical, dental, and vision plan options with company-funded HSA contributions
- • Paid parental leave: up to 14 weeks at 100% pay for birthing parents, 8 weeks at 100% pay for non-birthing parents
- • Flexible PTO for exempt employees (most take 15–20 days/year) plus 8 company-observed holidays
- • Professional development budget for certifications, conferences, and learning opportunities
Skills & Technologies
See exactly how your profile matches this role — strengths, skill gaps, and what to do about them.
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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