Senior Claims Adjuster, Loss

Handle high‑severity property claims end‑to‑end – investigate, negotiate, and resolve complex losses while guiding customers through critical moments.

Kin is seeking a Sr. Large Loss Claims Adjuster with first‑party property claims experience to join our growing team! In this role, you will handle high‑severity large loss claims, investigate and assess damage and coverage, monitor all aspects of the claim and applicable coverages, and negotiate settlements with all involved parties. You’ll work closely with our insureds, public adjusters, attorneys, contractors, and vendors and will be responsible for writing clear diary notes, setting field assignments, issuing payments, and crafting correspondence.

• 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, 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 insureds and responding to all notices and letters in accordance with state guidelines

In your first 6–12 months, success is measured by the impact you create rather than by checking boxes. By the end of the first year you should feel confident, trusted, 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.

• 5+ years of first‑party residential property claims adjusting; prior large loss handling experience strongly preferred
• Background working directly for an insurance carrier
• Applicable knowledge of insurance laws and good‑faith claims handling in multiple states
• Experience handling pre‑litigation claims (public adjuster/attorney‑represented preferentially)
• Data‑driven analytical approach; enthusiasm for new tech and numbers
• Experience in vendor management and surrounding negotiations
• Comfortable utilizing various claims‑related systems and software (e.g., Verisk suite, ISO Claim Search, Google suite, Excel)
• Knowledge of residential construction, including but not limited to mitigation, restoration, roofing, and repair, as well as construction order of operations
• Advanced ability to memorialize details and facts, in writing, regarding activities and communication throughout the life of a claim
• Excellent customer service track record demonstrating quality and attention to detail while supporting policyholders through difficult circumstances

All claims employees are expected to be available for required overtime and weekend shifts in the event of a catastrophic event.

• Competitive salary and company equity through restricted stock units, granted as part of our standard compensation package and based on role and level
• Eligibility to earn additional compensation annually through participation in the Kin Leadership Incentive Plan
• 401(k) with company match up to 4% of eligible earnings
• Multiple medical plan options, plus dental and vision coverage
• Company‑funded HSA contributions (dependent on medical plan selection)
• Company‑paid life insurance and short‑term disability
• Employee referral bonuses
• Supplemental…