Senior Claims Adjuster

Kin is on a mission to change home insurance from what it is to what it should be. Whether we’re leveraging data to create customizable coverage or providing claims service that goes above and beyond expectations, our members are at the heart of everything we do. In the face of ever-growing climate risk, they deserve an insurance company that cares about them. We aim to stick with our members through thick and thin.

We use efficient technology that lets homeowners buy directly from us to keep costs down. This is the essence of Kin. 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 (2021-2024).

• Forbes' America's Best Startup Employers (2021- 2023).

• 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 Claims Adjuster with first-party property claims experience to join our growing team! Because we tackle insurance differently, we want you to draw on your expertise in property claims while helping us to continue to innovate on behalf of Kin’s customers and our stakeholders.

Our insureds can submit their claim online or by phone, giving you the chance to provide support and solutions in regard to structure damages. In this role, you will work closely with public adjusters, attorneys, and vendors in order to help our customers as swiftly as possible.

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

• Keeping active communication with customers throughout the Claims process

• Drafting, approving, and adjusting estimates of damage and loss amounts

• Using varying methods of investigation, including taking recorded statements, consulting with police, inspecting property damage, and reviewing documentation

• Partner with field appraisers to manage home estimates/repairs

• Estimating cost of repair, replacement, or compensation

• 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

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

• 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 (i.e. Xactimate, Symbility, EagleView)

• Bilingual capability is a plus (spanish-speaking)

• Ability to work mandatory overtime as needed in the event of high claim volume due to a catastrophic event.

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.

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

• Competitive salary and equity

• 401K with company match of up to 4%

• Flexible PTO for exempt employees, 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 for this position will be accepted through April 29. 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.