Senior Claims Adjuster - Kin

Quick Summary

Take on complex property claims, negotiating with public adjusters and attorneys and using data to improve how we handle claims. 3+ years of carrier adjusting required.

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simpler, more affordable, and better for homeowners, especially in the places where climate risks, rising costs, and outdated systems make it harder.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 14 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 (2026)
• Inc. 5000 Fastest-Growing Private Companies
• Forbes' Fintech 50 (2023-2026)
• Great Places to Work Certified (May 2024-May 2027)

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.

The Opportunity

Kin is seeking a Senior Claims Adjuster with first-party property claims experience to join our growing team. In this role, you'll take on more complex structure damage claims, working closely with public adjusters, attorneys, and vendors to help our customers reach fair resolutions as swiftly as possible. Because we tackle insurance differently, we want you to bring your property claims expertise and a data-driven mindset to help us continue to innovate on behalf of Kin's customers and our stakeholders.

Your Responsibilities

• Handling complex first-party property claims, including those involving public adjusters and attorneys, from first notice of loss through resolution
• Examining and interpreting insureds' policies, forms in force, and other records to determine coverage and extent of company liability on complex or disputed claims
• Negotiating with public adjusters, attorneys, contractors, and vendors to reach fair, well-supported settlements
• Drafting, approving, and adjusting estimates of damage and loss amounts
• Partnering with field appraisers to manage home estimates and repairs
• Using varying methods of investigation, including taking recorded statements, consulting with police, inspecting property damage, and reviewing documentation
• Using claims data and technology to analyze losses, spot trends, and improve how claims are handled
• Keeping active communication with customers throughout the claims process, especially on high-stakes or contentious files
• Writing clear, concise diary notes in addition to setting field assignments, saving contacts, and issuing payments
• Appropriately applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines

Success in This Role

In your first 6 to 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.

• You are independently managing a caseload of complex and represented property claims, holding your own with public adjusters, attorneys, and vendors while keeping resolutions fair and timely. Your files are well-documented and reflect sound coverage decisions.
• You use data and claims technology to spot patterns and recommend improvements, and you're a go-to resource for peers on difficult files.

What You'll Bring

• 3+ years of first-party residential property claims adjusting experience
• Experience working directly for an insurance carrier
• Experienced in California claim handling
• Working knowledge of Florida insurance laws and Florida good faith claims handling
• Data-driven and analytical approach; you love working with new tech and getting into the numbers
• Experience with vendor management and negotiations
• Comfortable utilizing various claims systems (e.g. Xactimate, Symbility, EagleView)
• Bilingual capability is a plus (Spanish-speaking)
• Catastrophe Event: Ability to work mandatory overtime as needed in the event of high claim volume due to a catastrophic event

How We Support You

Core Benefits

• Competitive salary and company equity through Restricted Stock Units (RSUs)
• 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

Health & Wellbeing

• 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 to 20 days per year), plus 8 company-observed holidays
• Paid parental leave (up to 14 weeks at 100% pay for birthing parents; 8 weeks at 100% pay for non-birthing parents)

Growth & Development

• Career mobility and internal growth opportunities
• Professional development budgets for certifications, conferences, and learning

Where We Work

We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL.

This position can sit in any of the following 41 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, 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. Applicants must reside and work full-time in one of these approved states.