Sr Field Adjuster

Hanover Insurance Group, Inc.; Plainfield, Northern (NJ, KY); Hybrid; USD 85,000 - 125,000; Full time

Benefits offered by this job

Medical, dental, vision, life, and   

Disability insurance

401K with company match

PTO

Cultural Awareness Day

On-site medical/wellness center (Worc—

Job summary

The Hanover Insurance Group is seeking a Senior Field Adjuster to independently manage moderate to high-value field property claims across diverse environments. You will lead investigations, determine coverage, and negotiate settlements with stakeholders while ensuring regulatory compliance.

Travel on short notice is required; strong Xactimate skills and 5–10 years of adjusting experience are expected, with on-site work and mentoring responsibilities as part of the role.

Qualifications

• Bachelor’s degree or equivalent experience with claim handling (typically 5–10 years).
• Must hold and maintain appropriate state adjuster licenses; valid driver’s license.
• Strong Xactimate proficiency, preferably Level II Certified.
• Knowledge of local geography, regulations, and public safety agencies; ability to build rapport with insureds.
• Negotiation skills and strategy development; sound judgment for litigation and compliance matters.
• Ability to manage complex workflows; strong time and desk management.
• Ability to translate complex terms clearly for stakeholders.
• Proficiency with claims systems and MS Office; ability to work on-site and travel as needed.

Responsibilities

• Independently manage field property claims, including outside investigations and CAT response.
• Lead thorough investigations, assess coverage, and issue documentation; escalate as needed.
• Identify subrogation potential and manage recovery efforts.
• Maintain detailed claim records and prepare reports with findings and recommendations.
• Coordinate with legal, underwriting, vendors, and agents; lead cross-functional meetings.
• Mentor junior adjusters and contribute to training and best practices.

Skills

Negotiation

Claim handling

Investigation

Communication

Xactimate

Travel

Mentoring

Regulatory awareness

Education

Bachelor’s degree or equivalent experience

Tools

Xactimate

Microsoft Office Suite

Job description

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.

CAREER DEVELOPMENT:

It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.

BENEFITS:

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed.

Benefits include:

• 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.
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: [e-mail] and include the link of the job posting in which you are interested.

Applicants who are California residents:

To see the types of information we may collect from applicants and employees and how we use it, please.

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.