Senior Claims Adjuster, Large Loss

Quick Summary

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

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder.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 13 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 (2021-2024)

Inc. 5000 Fastest‑Growing Private Companies

Forbes’ Fintech 50

Great Places to Work Certified (2024-2026)

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. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we’re building, visit kin.com and see how we work.

The opportunity 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 and investigate and assess damage and coverage while monitoring all aspects of the claim and applicable coverages and negotiating settlements with all involved parties. You’ll have the chance to work closely with our insured(s), public adjusters, attorneys, contractors, and vendors to help our customers as swiftly as possible. Writing clear, concise diary notes in addition to setting field assignments, issuing payments, and crafting correspondence policy letters will all be a crucial part of this role alongside working closely with your team.

Your responsibilities

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, including the 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 insured(s) and responding to all notices and letters in accordance with state guidelines

Success in this role In your first 6–12 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. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the auto owners we serve.

By the end of your first year, you should feel confident in your role, trusted as an owner, 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.

What you’ll bring

5+ years of first‑party residential property claims adjusting; prior large loss handling experience is strongly preferred

Your insurance background includes 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 claims preferred)

Data‑driven with an analytical approach; you love working with new tech and getting into the numbers

Experience in vendor management and surrounding negotiations

Comfortable utilizing various claims‑related systems and software (i.e. Verisk suite of products, ISO ClaimSearch, Google suite, Excel)

Knowledge of residential construction (including but not limited to mitigation, restoration, roofing, and repair), damage identification techniques, and 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

Catastrophe Requirements

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

How we hire We believe a great hiring experience should be clear, respectful, and human. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in‑house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Real people make real decisions.

We will accept applications for this role through May 12, 2026 at 8pm CST.

The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:

Prompt updates and feedback following interviews

Interviews with recruiters, hiring managers, and members of teams

Skills assessment relevant to the position, if applicable

Genuine, thoughtful human interaction at every step

How we support you We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.

Core Benefits

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

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

A variety of 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 15–20 days per year), plus 8 company‑observed holidays

Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non‑birthing parents

Growth & Development

Career mobility and internal growth opportunities across the organization

Professional development budgets for certifications, conferences, and learning available, subject to management approval

How we work We don’t just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we’re united by a shared set of values that shape how we work and how we show up for each other and our customers.

Run through walls, together

– Our industry is stuck in the status quo. But Kin is different. We are challengers. Innovators unwavering in our mission to fix insurance for those who need it most. We are changing insurance for good. We roll up our sleeves, take action, and get “impossible” things done every day with grit and teamwork.

Raise the bar. Drop the ego

– Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other’s strengths.

Act like an owner

– We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big‑picture thinking well beyond our job descriptions. Ask questions, take ownership. Do the right thing, even when it’s hard. Because when Kin thrives, so do you. And so do our customers.

Operate lean. Deliver more

– We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, not deprivation. Lean isn’t a limitation – it’s our competitive advantage.

Keep asking ‘What if?’

– We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving, both individually and as a company.

Where we work We are a remote‑first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration.

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, 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.

For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full‑time in Ontario to be considered.

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

EEOC statement Kin is proud to be an Equal Employment Opportunity and affirmative action employer. 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. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to careers@kin.com.

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