Sr Field Adjuster

Senior Field Property Adjuster

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, sustainability initiatives, and inclusive corporate culture.

Our Property Claims department is seeking Senior Field Property Adjusters for the Plainfield, New Jersey 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 statues, 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…