General Adjuster – High Net Worth Property, Large Loss

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Vault Insurance

WebsiteLinkedInAll Job Openings

201 - 500 employees

💰 Private Equity Round on 2021-03

Vault offers high net worth personal insurance and customized solutions for individuals and families. We’re not just insuring assets, we’re reducing risks with data-driven technology to protect what matters most – cherished moments, family memories, and priceless legacies.

📋 Description

• Handle the company’s most complex and high-value homeowner property claims, often involving significant severity, complexity, and visibility. • Establish claim strategy early and drive execution through resolution, ensuring accuracy, defensibility, and alignment with company objectives. • Serve as a technical leader and escalation point for challenging coverage and large-loss matters. • Conduct advanced coverage analysis and make independent, high-impact claim decisions. • Manage all aspects of first-party property losses, including litigated, pre-litigation, and complex multi-party claims. • Maintain best-in-class file documentation to support coverage positions and litigation defense. • Build trusted relationships with insureds, brokers, family office representatives, attorneys, and advisors. • Deliver a high-touch, discreet service model consistent with the expectations of HNW clients. • Manage sensitive, high-exposure claims with professionalism, poise, and strong communication discipline. • Direct independent adjusters, experts, and vendors in the investigation, scoping, and evaluation of losses. • Determine appropriate repair or replacement strategies for complex or custom properties. • Evaluate and pursue subrogation opportunities where applicable. • Draft and issue reservation of rights and denial letters supported by clear policy language and claim facts. • Retain and manage counsel, engineers, forensic accountants, and other experts. • Evaluate exposure, establish and adjust reserves, and actively manage litigation posture. • Lead high-stakes negotiations, mediations, and dispute resolution processes. • Exercise settlement authority consistent with role seniority and financial controls. • Drive timely, equitable resolutions that balance client experience with indemnity discipline. • Partner closely with underwriting on renewal strategy, risk insights, and large-loss trends. • Collaborate with finance, actuarial, operations, and product teams to inform broader business strategy. • Prepare executive-level claim summaries and present large-loss matters to senior leadership. • Ensure strict compliance with all internal guidelines and regulatory requirements. • Provide leadership support during catastrophe events, including potential deployment. • Travel as needed (~20%) based on claim and business needs.

🎯 Requirements

• Bachelor’s degree or equivalent experience. • 8+ years of property claims experience, including significant large-loss and/or HNW exposure. • Proven experience operating at a General Adjuster or equivalent senior level. • Advanced expertise in coverage analysis, litigation management, and claim strategy. • Demonstrated success handling high-severity claims with autonomy and sound judgment. • Exceptional communication skills with the ability to engage sophisticated stakeholders. • Strong organizational discipline with the ability to manage complex, high-value inventories. • Proficiency with Microsoft Office and claims systems. • Flexibility to adjust schedule based on business and catastrophe demands.

🏖️ Benefits

• Flexible Spending Accounts & Health Savings Accounts, with company contributions • Company paid comprehensive life & disability insurance plans • 24/7 Telehealth Doctor Access, Virtual wellness screenings, Employee Assistance Programs • Company 401k retirement plan with Day 1 eligibility (6% company match, 100% immediate vesting) • 23 PTO days/ year • 11 paid holidays and so much more!