Senior Adjuster, Field Service Claims

🔥 3 minutes ago

🚗 Michigan – Remote

🚗 Michigan – Remote

⏰ Full Time

🟠 Senior

📋 Claims Specialist

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The Hanover Insurance Group

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

Founded 1852

🛡️ Insurance

🤝 B2B

👥 B2C

🔥 Funding within the last year

💰 $500M Post-IPO Debt - The Hanover Insurance Group on 2025-08

Insurance • B2B • B2C

The Hanover Insurance Group is an American property and casualty insurance company based in Worcester, Massachusetts. It provides both personal lines (home, auto, umbrella, renters, watercraft, collector cars, motorcycles, valuable items, and bundled policies) and commercial lines (business owner’s policies, general and professional liability, workers’ compensation, cyber, management liability, marine, property, surety, umbrella and industry-specific coverages). Hanover distributes through local agents and broker channels, offers claims services, risk solutions, education and prevention resources, and emphasizes corporate responsibility and customer support for individuals and businesses across a wide set of industries.

📋 Description

• Independently manage field property claims, including those requiring outside field investigations and catastrophe (CAT) response. • Lead thorough investigations, assess coverage, and issue appropriate documentation including reservation of rights and coverage letters. • Identify and proactively pursue opportunities to transfer risk to the appropriate entities for the benefit of insureds and business partners. • Maintain comprehensive and detailed claim records, ensuring proper documentation and compliance with jurisdictional requirements. • Identify and assign subrogation potential appropriately; set up files to support successful recovery efforts. • Ensure all claims activities comply with regulatory and company standards. Execute jurisdictional compliance requirements and support others in understanding regulatory obligations. • Investigate and manage suspicious claims using advanced techniques and tools; refer to the Special Investigation Unit (SIU) as needed. Maintain awareness of fraud indicators and regulatory reporting obligations. • Set reserves, authorize payments, and make financial decisions within authority and contribute to reserving accuracy and efficiency. • Coordinate with internal and external stakeholders including legal, underwriting, vendors, and agents. Lead cross-functional meetings and communicate complex information clearly to diverse audiences. • Use advanced tools and analytics to identify trends, correct inconsistencies, and improve claims handling efficiency. Ensure proper data ingestion, labeling, and protection of personally identifiable information (PII). • Maintains comprehensive factual and organized claim records and prepares detailed reports summarizing findings and recommendations. • Serve as a mentor to junior adjusters, providing guidance on complex claims, compliance, and litigation processes. Support training initiatives and contribute to the development of best practices and educational materials. • Deliver empathetic, clear communication throughout the claims process. Educate claimants and stakeholders, affirm next steps, and ensure a positive customer experience.

🎯 Requirements

• Bachelor's degree or equivalent experience with claim handling. • Typically requires 5-10 years of adjusting experience. • Strong knowledge of local geography, regulations, and public safety agencies, as well as the ability to build rapport with insureds and navigate the insurance and legal climate. • Strong working knowledge of applicable statues, regulations, case law, and third-party legal liability concepts. • Skilled in negotiation and developing strategies to influence outcomes. • Demonstrates sound judgment and decision-making, including litigation and compliance matters. • Communicates clearly and effectively in both verbal and written formats across a variety of situations. • Highly organized with the ability to manage complex workflows and project work. Demonstrates strong time management and desk management skills. • Makes informed decisions based on thorough analysis of complex issues. Evaluates risks and outcomes, acts independently within authority, and identifies patterns in claims to support resolution strategies. • Ability to collaborate with internal and external experts, including legal, underwriting, and other stakeholders to ensure thorough evaluation. • Ability to quickly assess customer concerns and anticipate questions, communicate and translate complex and technical terms clearly with easily understood language; deliver difficult messages when needed. • Skilled in using claims systems and Microsoft Office Suite.

🏖️ Benefits

• Must have and maintain appropriate state adjuster licenses, continuing education credits, and a valid driver's license.