Senior Claims Adjuster, Large Loss

Quick Summary Handle high-severity property claims end-to-end – investigate, negotiate, and resolve complex losses while guiding customers through critical moments. Who We Are Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder. We start with smarter homeowners insurance and expand to everything homeowners need to thrive. Using data, technology, and thoughtful human support, we’re building products that are clear, fair, and help homeowners feel confident — so homeowners aren’t left behind when they need help most. Founded In 2016, Kin Is a Remote-first Employer With Kinfolk Across More Than 35 States. We Serve Customers In 13 States (and Counting). Our Disciplined Growth, Strong Customer Satisfaction, And Focus On Long-term Sustainability Fosters Outstanding Growth, Attracts Marquee Investors, And Earns Recognition And Accolades, Including

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)
• Forbes' America's Best Startup Employers (2021-2024)
• Inc. 5000 Fastest-Growing Private Companies
• Forbes’ Fintech 50
• Great Places to Work Certified (2024-2026)

Most importantly, we’re building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we’re building, visit kin.com and see how we work. The opportunity Kin is seeking a Sr. Large Loss Claims Adjuste r with first-party property claims experience to join our growing team! In this role, you will handle high-severity large loss claims and investigate and assess damage and coverage while monitoring all aspects of the claim and applicable coverages and negotiating settlements with all involved parties. You’ll have the chance to work closely with our insured(s), public adjusters, attorneys, contractors, and vendors to help our customers as swiftly as possible. Writing clear, concise diary notes in addition to setting field assignments, issuing payments, and crafting correspondence policy letters will all be a crucial part of this role alongside working closely with your team. 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, including the 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 insured(s) and responding to all notices and letters in accordance with state guidelines

Success in this role In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the auto owners we serve. By the end of your first year, you should feel confident in your role, trusted as an owner, 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 is strongly preferred
• Your insurance background includes working directly for an insurance carrier
• Applicable knowledge of insurance laws and good faith claims handling in multiple states
• Experience handling