Senior Property Catastrophe Field Adjuster-Remote

The Hanover Insurance Group; Michigan; Remote; USD 70,000 - 120,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

Tuition reimbursement

Holidays

Flexible work

Equal opportunity employer

Job summary

The Hanover Insurance Group in Traverse City, Michigan and the Northern Lower Peninsula seeks a Senior Field Property Adjuster to independently manage moderate to high-value field property claims, including CAT responses. This remote, full-time role requires advanced investigation, evaluation, and negotiation skills, with travel on short notice.

Responsibilities include maintaining thorough claim records, ensuring regulatory compliance, and collaborating with legal, underwriting, vendors and

Qualifications

• Bachelor’s degree or equivalent experience with claim handling.
• Must have state adjuster licenses and continuing education credits.
• Strong knowledge of local geography, regulations, and public safety agencies.
• Ability to travel and work on-site as needed.
• Experience with litigation processes and regulatory obligations.

Responsibilities

• Independently manage field property claims, including CAT and outside investigations.
• Identify opportunities to transfer risk for insureds and partners.
• Maintain detailed claim records and ensure regulatory compliance.
• Set reserves, authorize payments within authority.
• Collaborate with legal, underwriting, vendors, and agents; mentor junior adjusters.
• Deliver empathetic, clear communication and educate claimants.
• Travel as necessary; work on-site as needed.

Skills

Field investigations

Negotiation

Regulatory compliance

Communication

Education

Bachelor’s degree or equivalent experience

Tools

Claims systems

MS Office

Job description

We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture. Our Property Claims department is seeking Senior Field Property Adjusters for the Traverse City, Michigan and Northern Lower Peninsula territory. This is a remote Full-time/Exempt role with field investigations.

The Sr Adjuster Field Service Claims is responsible for independently managing moderate to complex and high-value field property claims. This role requires advanced investigation, evaluation, and negotiation skills to resolve field property claims. It involves thorough analysis, collaboration with internal teams and external experts, and will require travel on short notice. Strong technical expertise and the ability to manage claims in accordance with policy provisions, regulations, and best practices are essential to delivering high-quality service and outcomes.

Independently manage field property claims, including those requiring outside field investigations and catastrophe (CAT) response.

Identify and proactively pursue opportunities to transfer risk to the appropriate entities for the benefit of insureds and business partners.

Maintain comprehensive and detailed claim records, ensuring proper documentation and compliance with jurisdictional requirements.

Ensure all claims activities comply with regulatory and company standards. Execute jurisdictional compliance requirements and support others in understanding regulatory obligations.

Investigate and manage suspicious claims using advanced techniques and tools; refer to the Special Investigation Unit (SIU) as needed. Maintain awareness of fraud indicators and regulatory reporting obligations.

Set reserves, authorize payments, and make financial decisions within authority and contribute to reserving accuracy and efficiency.

Coordinate with internal and external stakeholders including legal, underwriting, vendors, and agents. Use advanced tools and analytics to identify trends, correct inconsistencies, and improve claims handling efficiency. Ensure proper data ingestion, labeling, and protection of personally identifiable information (PII).

Maintains comprehensive factual and organized claim records and prepares detailed reports summarizing findings and recommendations.

Serve as a mentor to junior adjusters, providing guidance on complex claims, compliance, and litigation processes. Support training initiatives and contribute to the development of best practices and educational materials.

Deliver empathetic, clear communication throughout the claims process. Educate claimants and stakeholders, affirm next steps, and ensure a positive customer experience.

Must have and maintain appropriate state adjuster licenses, continuing education credits, and a valid driver’s license.

Bachelor’s degree or equivalent experience with claim handling. Strong knowledge of local geography, regulations, and public safety agencies, as well as the ability to build rapport with insureds and navigate the insurance and legal climate. Strong working knowledge of applicable statues, regulations, case law, and third-party legal liability concepts.

Demonstrates sound judgment and decision-making, including litigation and compliance matters.

Highly organized with the ability to manage complex workflows and project work. Makes informed decisions based on thorough analysis of complex issues. Evaluates risks and outcomes, acts independently within authority, and identifies patterns in claims to support resolution strategies.

Ability to collaborate with internal and external experts, including legal, underwriting, and other stakeholders to ensure thorough evaluation.

Ability to quickly assess customer concerns and anticipate questions, communicate and translate complex and technical terms clearly with easily understood language; Skilled in using claims systems and Microsoft Office Suite.

Ability to use a personal computer and other standard office equipment.

Required to work on-site as needed.

Ability to travel as necessary.

May be required to have and maintain sufficient home-based internet connection.

Ability to load and unload equipment and supplies weighing up to 30 pounds from a motor vehicle as needed to perform field work.

Ability to perform field work in adverse weather.

Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life.

• Medical, dental, vision, life, and disability insurance
• Tuition reimbursement
• Company paid holidays
• Flexible work arrangements
• On-site medical/wellness center (Worcester only)
• The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law.

Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.”

As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: Policy:

Applicants who are California residents: The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards.