Senior Complex Claims Adjuster

Kin Insurance

Senior Complex Claims Adjuster responsible for managing high-exposure property claims. Join Kin, a remote-first insurance provider, and support homeowners through complex claims processes.

Posted 7/2/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $80,000 - $100,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in first-party property claims adjusting, including policy interpretation, negotiation, and vendor management. Proficient in utilizing Xactimate and Xactanalysis for damage estimation and claims processing while adhering to state regulations and ethical standards.

Highest-signal resume keywords

First-Party Property Claims AdjustingXactimate/XactanalysisNegotiation SkillsVendor Relationship ManagementInsurance Law Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Policy InterpretationClaims ProcessesDamage EstimationRecorded StatementsFraud DetectionSubrogation IdentificationDrafting Reservation of Rights LettersDrafting Coverage Denial LettersDrafting Release LettersConflict Resolution

Soft Skills

Interpersonal SkillsEmpathyProfessionalismMentoringCollaboration

Tools & Technologies

ExcelSnapsheetSlackCRM Systems

Industry Keywords

Insurance Code of EthicsState StatutesRegulatory RequirementsLitigation ProcessGood Faith Practices

About the role

Key responsibilities & impact

Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of company’s liability
Drafting, approving, and adjusting estimates of damage and loss amounts utilizing Xactimate and Xactanalysis
Using varying methods of investigation, including taking thorough recorded statements, consulting with police, fire departments inspecting property damage, and reviewing documentation
Writing clear, concise diary notes, managing and collaborating with vendors on field assignments, setting and saving contacts, and issuing payments
Appropriately applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines
Negotiating with attorneys and/or public adjusters to achieve fair and equitable settlements

Requirements

What you’ll need

3+ years of first-party property claims adjusting experience directly with a carrier, with expertise handling files with exposure up to $100,000, demonstrating deep knowledge of policy interpretation and claims processes.
Hands-on experience managing attorney- and public adjuster-represented claims is preferred, showcasing strong negotiation and conflict resolution skills.
Proven ability to manage vendor relationships and negotiate effectively to drive favorable outcomes.
Experience drafting complex reservation of rights letters, coverage denial letters, and release letters.
Proven ability to conduct thorough and effective recorded statements in support of claim investigations.
Ability to recognize potential fraud indicators and identify subrogation opportunities within a claim file.
Skilled in Xactimate/Xactanalysis, with strong technical acumen across platforms like Excel, Snapsheet, Slack, and CRM systems.
Exceptional interpersonal skills with a track record of guiding policyholders through challenging situations with empathy and professionalism.
Serves as a resource and mentor to less experienced claims team members, supporting their professional development and ensuring consistency in claims handling practices.
Familiarity with the litigation process, including prior deposition and/or mediation experience preferred
Working knowledge of insurance laws, good faith practices, timelines, and regulatory requirements across multiple states.

Benefits

Comp & perks

Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level
401(k) with company match up to 4% of eligible earnings
Multiple medical plan options, plus dental and vision coverage
Company-funded HSA contributions (based on medical plan selection)
Company-paid life insurance and short-term disability
Employee referral bonuses
A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance
Access to mental health support and confidential counseling resources
Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays
Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents
Career mobility and internal growth opportunities across the organization
Professional development budgets for certifications, conferences, and learning available, subject to management approval