Liability & Litigation Adjuster

Hippo Insurance; Morristown (TN); On-site; USD 100,000 - 140,000; Full time

Benefits offered by this job

Equity

Career growth

Flexible PTO

Parental leave

Job summary

Hippo Insurance is seeking a Liability & Litigation Adjuster to manage a caseload of complex Homeowners’ property and liability claims, with emphasis on litigated and pre-litigation files. You will investigate losses, evaluate coverage, and negotiate settlements while collaborating with policyholders, vendors, and outside counsel.

The ideal candidate will have 6+ years in P&C claims with 3+ years in litigated liability, strong fraud防 prevention skills, and active multi-state licenses (including

Qualifications

• Six years of Property & Casualty claims experience with at least three years in litigated liability.
• Knowledge of homeowners liability exposure, litigation processes, and bad faith considerations.
• Experience handling complex first‑party litigation and potential bad faith matters.
• Understanding of investigation practices, policy interpretation, and settlement negotiation.
• Familiarity with DOI regulations and compliance.
• Licensing across multiple states including Texas.
• Professional designations such as AIC or SCLA are preferred.

Responsibilities

• Manage property and liability losses related to homeowners claims, with emphasis on litigated files.
• Promptly contact policyholders to establish expectations and action plans.
• Investigate claims of varying complexity and evaluate transferred files.
• Analyze findings and policy language to determine coverage.
• Communicate coverage determinations clearly to policyholders.
• Coordinate vendors for required field work.
• Maintain complete, accurate electronic documentation.
• Negotiate settlements within authority and escalate as needed.
• Ensure timely follow-up and keep policyholders informed throughout the lifecycle.
• Monitor and adjust claim reserves as needed.
• Collaborate with property adjusters and legal counsel on litigated matters.
• Serve as a technical resource, mentor, and trainer; cover at supervisor level when requested.

Skills

Property & casualty claims

Litigation claims

Fraud prevention

Communication skills

Licenses: multi-state

Policy interpretation

Negotiation

Investigation

Mentoring

Education

Bachelor’s degree in business/risk management/related

High school diploma + claims experience

AIC or SCLA designation preferred

Job description

Title: Liability & Litigation Adjuster

Location: Austin, TX or Dallas, TX

Reporting to: Litigation Manager

About Hippo:

Hippo was built on apromise:make homeownership effortless.Nearly adecade later, thatmissionstill drives us.Weuse technologyanddatato helpour customers stay ahead ofproblemsandprotect what mattersmost.

Today, that sametech-nativeapproach powers our work beyond homeowners.Hippooperatesas a diversifiedcarrierplatform, partnering with MGAs to deliver tailored program solutions that help them grow and deliver better customer experiences.Behind that work is a team that values ownership, curiosity, collaboration, and continuous improvement.

Ifyou’reenergized by buildingwhat’snext,we’dlove to meet you.

About This Role:

The Liability and Litigation Adjuster manages a caseload of complex Homeowners’property and liability claims, with particular emphasis on litigated and pre-litigation files. This roleis responsible forinvestigating losses, evaluating coverage, and negotiating settlements whilemaintainingclose collaboration with policyholders, vendors, and outside counsel to achieve fair,accurate, andtimely claim resolution. The Liability and Litigation Adjuster also serves as a technical resource and mentor to team members and may provide support at the supervisor level as needed.

About You:

• Must have knowledge and experience with homeowner liability investigation and litigation, both first and third party
• Critical Thinker, demonstrable ability to recognize irregularities and prevent fraud
• Superior communicator, both written and verbal
• Enthusiastic about working for a company focused on disrupting the norm
• Team player who enjoys helping and developing others
• Overachiever who is driven to exceed expectations
• Empathetic, dedicated to understanding the needs of our customers

What You’ll Do:

• Manage all aspects of property and liability losses related to Personal Lines Homeowners claims, with emphasis on litigated files.
• Make prompt contact with policyholders toestablishexpectations, develop an action plan, and completean initialexposure assessment.
• Investigate claims of varying complexity, including review and evaluation of transferred files todeterminean appropriate planof action.
• Analyze investigation findings and policy language todeterminecoverage.
• Communicate coverage determinations to policyholders in a clear, professional, and customer-focused manner.
• Assign and coordinate vendors for required field work.
• Maintain complete,accurate, andtimelyelectronic documentation of all file handlingactivity.
• Evaluate and negotiate settlement amounts within assigned authority, escalating to management asappropriate, and issue payments accordingly.
• Ensure regular,timelyfollow-up on all assigned files and bring claims to prompt,appropriate resolutionwhile keeping policyholders informed throughout the claim lifecycle.
• Monitor and adjust claim file reserves to reflect current exposure.
• Collaborate with property adjusters and legal counsel on litigated and potentially litigated matters.
• Serve as a technical resource, mentor, and trainer for team members; may provide coverage at the supervisor level upon request

What You’ll Bring:

• The requirements belowrepresentthe knowledge, skill, and abilityrequiredto perform this role successfully.
• Minimum of six years of Property & Casualty claims experience, with at least three years adjusting litigated liability claims, including both first- and third-party matters.
• Demonstrated knowledge ofHomeowners’liability exposure, litigation processes, and potential bad faith considerations.
• Experience handling complex first-party litigation, including files involving potential bad faith allegations.
• Working knowledge of claims investigation practices, policy interpretation, and settlement negotiation.
• General understanding of the principles of good faith and fair dealing, and the ability to apply them in file analysis.
• Thorough understanding of applicable Department of Insurance (DOI) regulations and compliance requirements.
• Active multi-state claims adjuster license(s), including Texas, with the ability to obtainadditionalstate licenses asrequired.
• Bachelor’s degree in business,riskmanagement, or a related field preferred; or a high school diploma or equivalent combined with the required claims experience.
• Professional claims designation such as Associate in Claims (AIC) or Senior Claims Law Associate (SCLA) preferred.
• Strong critical thinking skills with the ability toidentifyirregularities and support fraud prevention efforts.
• Excellent written and verbal communication skills.
• Strong organizational skills, with attention to detail andaccuraterecord-keeping.
• Ability to manage a varied caseload with sound independent judgment while collaborating effectively with team members, vendors, and outside counsel.
• Ability to perform effectively in a fast-paced, dynamic work environment and to prioritize competing demands.

Bonus Points:

• Experience with Special Investigations Unit (SIU) or fraud-related matters is a plus.

Benefits and Perks:

Hippo treats its team members with the same level of dedication and care as we do our customers, which is why we’re fortunate to provide all of our Hippos with:

• Healthy Hippos Benefits - Multiple medical plans to choose from and 100% employer covered dental & vision plans for our team members and their families. We also offer a 401(k) retirement plan, short & long-term disability, employer-paid life insurance, Flexible Spending Accounts (FSA) for health and dependent care, and an Employee Assistance Program (EAP)
• Equity - This position is eligible for equity compensation
• Training and Career Growth - Training and internal career growth opportunities
• Flexible Time Off - You know when and how you should recharge
• Little Hippos Program - We offer 12 weeks of parental leave for primary and secondary caregivers

The Morristown, NJ base pay range for this role is $110,000 - $133,000. Exact compensation may vary based on several job-related factors that are unique to each candidate, including but not limited to: skill set, experience, education/training, location, business needs and market demands.

Hippo is an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion.

Hippo’s applicants are considered solely based on their qualifications, without regard to an applicant’s disability or need for accommodation. Any Hippo applicant who requires reasonable accommodations during the application process should contact the Hippo’s People Team to make the need for an accommodation known.

Hippo CCPA