Claims Adjuster

Midwest Startups; Northern (KY); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Competitive salary & RSUs

401(k) with match

Medical, dental, vision insurance

HSA contributions

Life insurance

Employee referral bonuses

Flexible PTO

Paid parental leave

Job summary

Kin seeks a Claims Adjuster with first-party property claims experience to guide customers through the claims process with empathy and clarity. You will investigate and manage claims from multiple perils, ensuring timely, fair resolutions while collaborating with field appraisers and vendors.

You’ll work across daily and catastrophe claims in high-risk states, with strong knowledge of policies, regulations, and ethics guiding your decisions.

Qualifications

• 2+ years of first-party residential property claims adjusting working directly for an insurance carrier.
• 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 handle daily and catastrophe claims in high-risk states.
• Experience with vendor management and negotiations.
• Comfortable using claims systems such as Xactimate, XactAnalysis, Symbility, EagleView.
• Bilingual capability is a plus (Spanish).

Responsibilities

• Examining and interpreting policies, forms, and records to determine coverage and liability.
• Maintaining active communication with customers throughout the claims process.
• Drafting, approving, and adjusting estimates of damage and loss amounts.
• Investigating using statements, police, property inspections, and documentation reviews.
• Partnering with field appraisers to manage home estimates/repairs.
• Estimating cost of repair, replacement, or compensation.
• Writing diary notes, setting field assignments, saving contacts, and issuing payments.
• Applying knowledge of state statutes and insurance ethics in decisions.

Skills

First-party claims experience

Adjuster license

Regulatory knowledge

Customer communication

Documentation & diary notes

Negotiation

Tools

Xactimate

XactAnalysis

Symbility

EagleView

Job description

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder.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

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 package and based on role and level

• 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

Health & Wellbeing

• 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

Growth & Development

• Career mobility and internal growth opportunities across the organization

• Professional development budgets for certifications, conferences, and learning available, subject to management approval

How we work

We don’t just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we’re united by a shared set of values that shape how we work and how we show up for each other and our customers.

Run through walls, together - Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. We assume the best in each other and challenge ideas, not intentions. We show up, work hard, and play to each other's strengths — because that’s how great teams win.

Raise the bar. Drop the ego - Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other’s strengths.

Act like an owner - We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big-picture thinking well beyond our job descriptions. Ask questions, Take ownership. Do the right thing, even when it‘s hard. Because when Kin thrives, so do you. And so do our customers.

Operate lean. Deliver more - We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, but not deprivation. Lean isn't a limitation — it’s our competitive advantage.

Keep asking ‘What if?’ - We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving. Both individually and as a company.

Where we work

We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration.

For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.

For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.

For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered.

State locations and specifics are subject to change as our hiring requirements shift.

EEOC statement

Kin is proud to be an Equal Employment Opportunity and Affinitive Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to [e-mail]