Senior Claims Adjuster, Large Loss

Kin Insurance; United States; Remote; USD 75,000 - 95,000; Full time

Benefits offered by this job

Company equity through restricted stock units

401(k) with company match

Multiple medical plan options

Flexible PTO

Paid parental leave

Job summary

Kin Insurance is looking for a Sr. Large Loss Claims Adjuster to manage high-severity property claims from start to finish. You will investigate, negotiate, and resolve complex losses while guiding customers through critical moments.

The ideal candidate will have over 5 years of experience in first-party property claims adjusting and strong knowledge of insurance laws. The position offers competitive salary, company equity, various health benefits, flexible PTO, and additional perks for career growth.

Qualifications

• 5+ years of first-party residential property claims adjusting experience.
• Prior experience in handling large loss claims strongly preferred.
• Comfortable utilizing various claims-related systems.

Responsibilities

• Manage high-severity large loss claims end-to-end.
• Investigate and assess damage and coverage.
• Negotiate settlements with various parties.

Skills

First-party residential property claims adjusting

Large loss handling experience

Knowledge of insurance laws

Vendor management

Customer service

Data-driven analytical skills

Education

5+ years of experience in claims adjusting

Tools

Verisk suite

ISO ClaimSearch

Excel

Job description

Handle high‑severity property claims end‑to‑end – investigate, negotiate, and resolve complex losses while guiding customers through critical moments.

The opportunity

Kin is seeking a Sr. Large Loss Claims Adjuster with first‑party property claims experience to join our growing team! In this role, you will handle high‑severity large loss claims, investigate and assess damage and coverage, monitor all aspects of the claim and applicable coverages, and negotiate settlements with all involved parties. You’ll work closely with our insureds, public adjusters, attorneys, contractors, and vendors and will be responsible for writing clear diary notes, setting field assignments, issuing payments, and crafting correspondence.

Your responsibilities

• Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of the company’s exposure and policy limitations
• Applying knowledge of multiple state statutes, insurance code of ethics, rules, regulations, and guidelines
• Desk reviewing, drafting, adjusting, and approving estimates of damage and loss amounts for structural damages, mitigation, remediation, etc.
• Using varying methods of investigation, including taking recorded statements, consulting with experts, identifying property damage, and reviewing documentation
• Keeping active communication and working with customers, their representatives, contractors, and experts throughout the claims process from first notice of the claim through repair completion
• Working with public adjusters and attorneys that may represent the insureds and responding to all notices and letters in accordance with state guidelines

Success in this role

In your first 6–12 months, success is measured by the impact you create rather than by checking boxes. By the end of the first year you should feel confident, trusted, and proud of the progress you’ve helped make.

• Independently managing a portfolio of high‑severity large loss claims end‑to‑end, delivering timely, well‑documented coverage decisions and fair settlements while maintaining compliance with state regulations and strong file quality standards.
• Building trusted relationships with insureds and external partners (public adjusters, attorneys, contractors), effectively navigating complex or escalated claims to resolution while contributing to improved processes, cycle times, and customer experience.

What you’ll bring

• 5+ years of first‑party residential property claims adjusting; prior large loss handling experience strongly preferred
• Background working directly for an insurance carrier
• Applicable knowledge of insurance laws and good‑faith claims handling in multiple states
• Experience handling pre‑litigation claims (public adjuster/attorney‑represented preferentially)
• Data‑driven analytical approach; enthusiasm for new tech and numbers
• Experience in vendor management and surrounding negotiations
• Comfortable utilizing various claims‑related systems and software (e.g., Verisk suite, ISO ClaimSearch, Google suite, Excel)
• Knowledge of residential construction, including but not limited to mitigation, restoration, roofing, and repair, as well as construction order of operations
• Advanced ability to memorialize details and facts, in writing, regarding activities and communication throughout the life of a claim
• Excellent customer service track record demonstrating quality and attention to detail while supporting policyholders through difficult circumstances

Catastrophe Requirements

All claims employees are expected to be available for required overtime and weekend shifts in the event of a catastrophic event.

Core Benefits

• Competitive salary and company equity through restricted stock units, granted as part of our standard compensation package and based on role and level
• Eligibility to earn additional compensation annually through participation in the Kin Leadership Incentive Plan
• 401(k) with company match up to 4% of eligible earnings
• Multiple medical plan options, plus dental and vision coverage
• Company‑funded HSA contributions (dependent on medical plan selection)
• Company‑paid life insurance and short‑term disability
• Employee referral bonuses
• 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

State Locations and Specifics

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. Applicants must be able to live and work full‑time in one of the states listed above.

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

EEOC Statement

Kin is proud to be an Equal Employment Opportunity and affirmative action employer. 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 any other legally protected characteristic. 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 at [e-mail].