Senior Complex Claims Adjuster

Kin is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (from purchasing, servicing to claims) simple and friction-free, especially in the places traditional insurers often ignore.

We empower people to protect what matters most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2025).

• Forbes' America's Best Startup Employers (2021- 2024, Ranked #37 in 2024).

• Inc. 5000 Fastest-Growing Private Companies.

• Forbes’ Fintech 50.

Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.

So, what’s the role?

We are looking for a Senior Complex Claims Adjuster with experience handling pre-litigated property claims to join our growing team.

In this role, you can expect to handle structure, dwelling, and contents claims. It is pivotal that you exhibit strong negotiation tactics in addition to analytical, organizational, and investigative skills as you will be working with larger losses and represented claims. Building rapport and keeping in close contact with our insureds is a vital component to this role, along with outstanding customer service ability, as it will help ensure your continued success.

Our insureds can submit their claim online or by phone, giving you the chance to provide support and solutions regarding structure damages ranging from daily water claims to total losses. This opportunity allows you to work closely with public adjusters, attorneys, and vendors alongside examining and appropriately interpreting policies. Here, you have the chance to help our customers navigate through their toughest times and educate them on their policy and extent of coverage.

A day in the life could include: 

• 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 recorded statements, consulting with police, fire departments inspecting property damage, and reviewing documentation

• Estimating cost of repair, replacement, or compensation alongside ensuring the adequacy of reserves

• Writing clear, concise diary notes, setting 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

I’ve got the skills… but do I have the necessary ones?

• 3+ years of first-party property claims adjusting working directly for a carrier

• Direct experience working with attorney and public adjuster represented claims

• Vendor management and negotiation experience

• Xactimate/Xactanalysis ability coupled with a strong technical acumen (Excel, Snapsheet, Slack, CRM systems)

• Customer service ability; you’ve worked closely with others and can see individuals through tough situations

Bonus Points:

• You possess an understanding of the litigation process and prior deposition and/or mediation experience

• You understand Civil Remedy Notices (CRN) & Notices of Intent (NOI)

• Working knowledge of insurance laws, good faith, timelines, and compliance in multiple states

Oh, and don’t worry, we’ve got you covered!

We offer a comprehensive benefits program, allowing you to choose the benefits that are best for you and your family including: Medical, Dental, Vision, Life Insurance and Disability Insurance options, Employee Assistance Program, as well as elective voluntary benefits such as accident insurance, hospital indemnity, critical illness, legal assistance and pet insurance. Kinfolk become eligible for benefits on the first day of the month following their start date.

In addition to these benefits, we also are excited to offer the following:

• Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level.

• 401K with company match of up to 4% of eligible earnings

• Flexible PTO for exempt employees (employees typically take 15-20 days annually), along with 8 company-observed holidays

• A paid parental leave program that provides 100% salary continuation of up to 14 weeks for birthing parents and 8 weeks for non birthing parents

• Continuing education and professional development opportunities

Applications will be accepted through July 4, 2025.

For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.

For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.

State locations and specifics are subject to change as our hiring requirements shift.

About Kin

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.

EEOC Statement

Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.