Sr Field Adjuster

Hanover Insurance Group, Inc.; Bangor (ME); Remote; USD 90,000 - 120,000; Full time

Job summary

Hanover Insurance Group, Inc. seeks a Senior Field Property Adjuster to handle moderate to high-value property claims across the Bangor, Maine territory. This remote, full-time/exempt role requires independent management of field investigations with travel on short notice.

You'll lead complex investigations, assess coverage, coordinate with internal teams and external experts, and mentor junior adjusters while maintaining regulatory compliance and superior customer service.

Qualifications

• Bachelor’s degree or equivalent experience with claim handling.
• Typically requires 5–10 years of adjusting experience.
• Must have and maintain appropriate state adjuster licenses, continuing education credits, and a valid driver’s license.
• Strong Xactimate proficiency, preferably Level II Certified.
• 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.
• Highly organized with the ability to manage complex workflows and project work.
• Makes informed decisions based on thorough analysis of complex issues.
• Ability to travel and work on-site as needed.

Responsibilities

• Independently manage field property claims, including CAT cases; set reserves and authorize payments.
• Lead investigations, assess coverage, and issue documentation including reservation of rights and coverage letters.
• Pursue subrogation opportunities and coordinate recovery efforts.
• Maintain comprehensive claim records and prepare detailed findings reports.
• Coordinate with legal, underwriting, vendors, and agents; lead cross-functional meetings.
• Mentor junior adjusters and support training initiatives.

Skills

Xactimate proficiency

Negotiation

Communication skills

Microsoft Office

Claims systems

Time management

Driving

Education

Bachelor’s degree or equivalent experience

Tools

Xactimate Level II Certification

Job description

Our Property Claims department is seeking Senior Field Property Adjusters for the Bangor, Maine territory. This is a remote Full-time/Exempt role with field investigations.

POSITION OVERVIEW:

The Senior Field Adjuster 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.

IN THIS ROLE, YOU WILL:

• Independently manage field property claims, including those requiring outside field investigations and catastrophe (CAT) response. Deliver empathetic, clear communication throughout the claims process. Educate claimants and stakeholders, affirm next steps, and ensure a positive customer experience. Set reserves, authorize payments, and make financial decisions within authority and contribute to reserving accuracy and efficiency.
• Lead thorough investigations, assess coverage, and issue appropriate documentation including reservation of rights and coverage letters. Escalate issues as needed. 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.
• Identify and proactively pursue opportunities to transfer risk to the appropriate entities for the benefit of insureds and business partners. Identify and assign subrogation potential appropriately; set up files to support successful recovery efforts.
• Maintain comprehensive and detailed claim records, ensuring proper documentation and compliance with jurisdictional requirements. Prepare detailed reports summarizing findings and recommendations. Ensure all claims activities comply with regulatory and company standards. Execute jurisdictional compliance requirements and support others in understanding regulatory obligations.
• Coordinate with internal and external stakeholders including legal, underwriting, vendors, and agents. Lead cross-functional meetings and communicate complex information clearly to diverse audiences. May represent the company in mediations, arbitrations, and trials.
• 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

WHAT YOU NEED TO APPLY:

• Bachelor’s degree or equivalent experience with claim handling. Typically requires 5-10 years of adjusting experience.
• Must have and maintain appropriate state adjuster licenses, continuing education credits, and a valid driver’s license.
• Strong Xactimate proficiency, preferably Level II Certified.
• 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 statutes, regulations, case law, and third-party legal liability concepts.
• 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 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.
• Ability to sit and/or stand for extended periods.
• Required to work on-site as needed.
• Ability to travel as necessary.
• Ability to work in a fast paced, changing or stressful environment.
• Ability to perform work in a noisy/loud work environment.
• May be required to have and maintain sufficient home-based internet connection.
• Ability to operate a motor vehicle 4-5 hours per day and to get in and out of the vehicle numerous times during the day.
• 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 bend, walk, and climb for several consecutive hours while inspecting damaged buildings, often with utilities turned off or inoperable.
• Ability to use a ladder safely to get on and off roofs and maintain balance while inspecting roofs.
• Ability to perform field work in adverse weather

This job posting provides cursory examples of some of the job duties associated with this position. The examples provided are not complete, and the position may entail other essential and job-related functions and responsibilities that employees will be required to perform.