General Adjuster – High Net Worth Property, Large Loss

This is a fully remote position, open to applicants in United States.

📋 Description

• Oversee the most intricate and high-value homeowner property claims for the company, which often involve substantial complexity, severity, and visibility.

• Formulate claim strategies early on and drive the execution through to resolution, ensuring accuracy, defensibility, and alignment with company goals.

• Act as a technical authority and escalation point for challenging coverage issues and large-loss cases.

• Conduct thorough coverage analysis and make independent, impactful claim decisions.

• Manage all facets of first-party property losses, which include litigated, pre-litigation, and complex multi-party claims.

• Maintain exemplary file documentation to support coverage positions and litigation defense.

• Foster trusted relationships with insured clients, brokers, family office representatives, attorneys, and advisors.

• Provide a high-touch, discreet service model that aligns with the expectations of high-net-worth clients.

• Handle sensitive, high-exposure claims with professionalism, composure, and strong communication skills.

• Direct independent adjusters, experts, and vendors in the investigation, scoping, and evaluation of claims.

• Determine suitable repair or replacement strategies for complex or custom properties.

• Assess and pursue subrogation opportunities when appropriate.

• Draft and issue reservation of rights and denial letters that are supported by clear policy language and claim facts.

• Engage and manage counsel, engineers, forensic accountants, and other experts.

• Evaluate exposure, set and adjust reserves, and actively oversee litigation strategies.

• Lead high-stakes negotiations, mediations, and dispute resolution processes.

• Exercise settlement authority in accordance with role seniority and financial controls.

• Drive prompt, fair resolutions that balance client experience with indemnity discipline.

• Collaborate closely with underwriting on renewal strategies, risk insights, and large-loss trends.

• Work with finance, actuarial, operations, and product teams to inform broader business strategies.

• Prepare executive-level claim summaries and present large-loss issues to senior leadership.

• Ensure strict adherence to all internal guidelines and regulatory standards.

• Provide leadership support during catastrophe events, including potential deployment.

• Travel as required (~20%) based on claims and business needs.

⛳️ Requirements

• Bachelor’s degree or equivalent experience.

• 8+ years of experience in property claims, including significant large-loss and/or high-net-worth exposure.

• Demonstrated experience functioning at a General Adjuster or equivalent senior level.

• Advanced knowledge in coverage analysis, litigation management, and claim strategy.

• Proven success in managing high-severity claims with independence and sound judgment.

• Outstanding communication skills with the ability to engage with sophisticated stakeholders.

• Strong organizational skills with the capability to manage complex, high-value inventories.

• Proficient in Microsoft Office and claims management systems.

• Willingness to adjust schedule based on business and catastrophe requirements.

🏝️ Benefits

• Flexible Spending Accounts & Health Savings Accounts, with contributions from the company.

• Comprehensive life and disability insurance plans fully paid by the company.

• 24/7 Telehealth Doctor Access, virtual wellness screenings, and Employee Assistance Programs.

• Company 401k retirement plan with Day 1 eligibility (6% company match and 100% immediate vesting).

• 23 PTO days per year.

• 11 paid holidays and much more!