Sr Adjuster Field Service Claims - Atlanta, GA

Hanover Insurance Group, Inc.; Atlanta (GA); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical, dental, vision, life &dis

Disability Insurance

401K with company match

PTO

Cultural Awareness Day

On-site medical/wellness center

Job summary

Hanover Insurance Group, Inc. in Atlanta, GA is seeking a Senior Adjuster Field Service Claims to independently manage moderate to complex field property claims. You will lead investigations, assess coverage, set reserves, and communicate with legal, underwriting, vendors, and agents.

Travel on short notice is expected. The role requires 5–10 years of adjusting experience, strong negotiation skills, and proficiency with Claims systems and MS Office.

Qualifications

• Bachelor’s degree or equivalent experience with claim handling.
• Typically requires 5–10 years of adjusting experience.
• Strong knowledge of local geography, regulations, and public safety agencies.

Responsibilities

• Independently manage field property claims, including those requiring outside field investigations and catastrophe (CAT) response.
• Lead thorough investigations, assess coverage, and issue documentation including reservation of rights and coverage letters.
• Identify and proactively pursue opportunities to transfer risk to appropriate entities for insureds and business partners.
• Maintain comprehensive and detailed claim records, ensuring proper documentation and compliance with jurisdictional requirements.
• Identify and assign subrogation potential; set up files to support recovery efforts.
• Ensure all claims activities comply with regulatory and company standards; support regulatory obligations.
• Investigate and manage suspicious claims using advanced techniques and SIU involvement as needed.
• Set reserves, authorize payments, and make financial decisions within authority.
• Coordinate with internal and external stakeholders; lead cross-functional meetings and communicate complex information clearly.
• Use advanced tools to identify trends and protect PII while improving efficiency.
• Maintain comprehensive factual claim records and prepare detailed reports.
• Mentor junior adjusters and contribute to training and best practices.

Skills

Field claims

Negotiation

Investigation

Subrogation

Regulatory compliance

Education

Bachelor’s degree or equivalent experience

Tools

Claims systems

Microsoft Office

Job description

Sr Adjuster Field Service Claims - Atlanta, GA

Atlanta, GA, USA

Position Overview

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.

Responsibilities

• Independently manage field property claims, including those requiring outside field investigations and catastrophe (CAT) response.
• Lead thorough investigations, assess coverage, and issue appropriate documentation including reservation of rights and coverage letters. Escalate issues as needed.
• 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.
• Identify and assign subrogation potential appropriately; set up files to support successful recovery efforts.
• 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. Lead cross-functional meetings and communicate complex information clearly to diverse audiences.
• 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).
• Maintain comprehensive factual and organized claim records and prepare 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.
• May represent the company in mediations, arbitrations, and trials.
• Must have and maintain appropriate state adjuster licenses, continuing education credits, and a valid driver’s license.

Qualifications

• Bachelor’s degree or equivalent experience with claim handling. Typically requires 5–10 years of adjusting experience.
• 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. Skilled in negotiation and developing strategies to influence outcomes. Demonstrates sound judgment and decision-making, including litigation and compliance matters.
• Communicates clearly and effectively in both verbal and written formats across a variety of situations. Selects appropriate communication channels and consistently demonstrates empathy toward all stakeholders.
• Highly organized with the ability to manage complex workflows and project work. Demonstrates strong time management and desk management skills.
• 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; deliver difficult messages when needed.
• Skilled in using claims systems and Microsoft Office Suite; ability to use a personal computer and other standard office equipment.
• Capable of extended periods of sitting/standing, traveling, and operating a motor vehicle or lifting equipment up to 30 pounds.
• Ability to perform field work in adverse weather and to safely use a ladder for roof inspections.
• Work requires occasional on-site presence and ability to operate in a fast‑paced, changing or stressful environment.

Benefits

• Medical, dental, vision, life, and disability insurance
• 401K with a company match
• PTO
• Cultural Awareness Day in support of IDE
• 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. 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 [e-mail] and include the link of the job posting in which you are interested.

Compensation

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. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.