Sr. Complex Claims Adjuster

About this role

Quick Summary Take ownership of complex, high-exposure property claims from first notice of loss through resolution - investigating, negotiating, and settling represented and large-loss files while guiding policyholders through critical moments.

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder.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 14 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.

THE OPPORTUNITY

Kin is seeking a Senior Complex 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 Senior Complex Claims Adjuster, you can expect to handle structure, dwelling, and contents claims. It is pivotal that you exhibit strong negotiation tactics in addition to analytical, organizational, and investigative skills as you will be working with larger losses and represented claims. Building rapport and keeping in close contact with our insureds is a vital component to this role, along with outstanding customer service ability, as it will help ensure your continued success.

YOUR RESPONSIBILITIES

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

- Drafting, approving, and adjusting estimates of damage and loss amounts utilizing Xactimate and Xactanalysis

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

- Writing clear, concise diary notes, managing and collaborating with vendors on field assignments, setting and saving contacts, and issuing payments

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

- Negotiating with attorneys and/or public adjusters to achieve fair and equitable settlements

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 complex, high-exposure property claims from first notice of loss through resolution — including represented files — consistently meeting timeliness and quality benchmarks across multiple states. Customers feel informed and supported throughout the process, reflected in strong satisfaction scores and minimal escalations.

- You demonstrate command of multi-state regulatory requirements and policy interpretation, producing well-documented files with sound coverage decisions, clear reservation of rights and denial letters where applicable, and effective negotiation outcomes with attorneys and public adjusters.

WHAT YOU’LL BRING

- 3+ years of first-party property claims adjusting experience directly with a carrier, with expertise handling files with exposure up to $100,000, demonstrating deep knowledge of policy interpretation and claims processes.

- Hands-on experience managing attorney- and public adjuster-represented claims is preferred, showcasing strong negotiation and conflict resolution skills.

- Proven ability to manage vendor relationships and negotiate effectively to drive favorable outcomes.

- Experience drafting complex reservation of rights letters, coverage denial letters, and release letters.

- Proven ability to conduct thorough and effective recorded statements in support of claim investigations.

- Ability to recognize potential fraud indicators and identify subrogation opportunities within a claim file.

- Skilled in Xactimate/Xactanalysis, with strong technical acumen across platforms like Excel, Snapsheet, Slack, and CRM systems.

- Exceptional interpersonal skills with a track record of guiding policyholders through challenging situations with empathy and professionalism.

- Serves as a resource and mentor to less experienced claims team members, supporting their professional development and ensuring consistency in claims handling practices.

- Familiarity with the litigation process, including prior deposition and/or me

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