Claims Adjuster

About this role

WHO WE ARE

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder.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, including:

- Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)

- Forbes' America's Best Startup Employers (2026)

- Inc. 5000 Fastest-Growing Private Companies

- Forbes’ Fintech 50 (2023-2026)

- Great Places to Work Certified (May 2024-May 2027)

Most importantly, we’re building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we’re building, visit kin.com http://kin.com and see how we work https://www.linkedin.com/company/kin-insurance/life/kin/.

THE OPPORTUNITY

Kin is seeking a Claims Adjuster with first-party property claims experience to join our growing team. Because we tackle insurance differently, we want you to draw on your expertise in property claims while helping us to continue to innovate on behalf of Kin’s customers and our stakeholders.

As a Claims Adjuster, you will guide customers through the claims process with empathy and clarity, helping them navigate property damage situations with confidence. You will investigate and manage claims from a variety of perils efficiently and thoroughly to ensure timely, fair resolutions.

YOUR RESPONSIBILITIES

- Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of company’s liability

- Keeping active communication with customers throughout the Claims process

- Drafting, approving, and adjusting estimates of damage and loss amounts

- Using varying methods of investigation, including taking recorded statements, consulting with police, inspecting property damage, and reviewing documentation

- Partner with field appraisers to manage home estimates/repairs

- Estimating cost of repair, replacement, or compensation

- Writing clear, concise diary notes in addition to setting field assignments, saving contacts, and issuing payments

- Appropriately applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines

SUCCESS IN THIS ROLE

In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the auto owners we serve.

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.

- You are independently managing a full caseload of property claims from first notice of loss through resolution, consistently meeting or exceeding timeliness and quality expectations. Customers feel informed and supported throughout the process, as reflected in strong customer satisfaction and minimal escalations.

- You demonstrate a strong command of state-specific regulations and compliance requirements, consistently handling claims in accordance with applicable laws and ethical standards. Your files are well-documented and reflect sound coverage decisions.

WHAT YOU’LL BRING

- 2+ years of first-party residential property claims adjusting working directly for an insurance carrier

- An active, valid Adjusters License in your current state of residence

- Knowledge and experience in California claim handling

- Strong understanding of Florida insurance laws and good faith claims handling

- Capability to work through daily & catastrophe claims in high-risk states

- Experience with vendor management and negotiations

- Comfortable utilizing various claims systems (i.e. Xactimate, XactAnalysis, Symbility, EagleView)

- Bilingual capability is a plus (spanish-speaking)

Catastrophe Event: you have the ability to work mandatory overtime as needed in the event of high claim volume due to a catastrophic event.

HOW WE HIRE

We believe a great hiring experience should be clear, respectful, and human. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions.

The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:

- Prompt updates and feedback following interviews

- Interviews with recruiters, hiring managers, and members of teams

- Skills assessment relevant to the position, if applicable

- Genuine, thoughtful human interaction at every step

HOW WE SUPPORT YOU

We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.

Core Benefits

- Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation packag

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