Sr. Complex Claims Adjuster

Quick Summary
Take ownership of complex, high-exposure property claims from first notice of loss through resolution - investigating, negotiating, and settling represented and large-loss files while guiding policyholders 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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder.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 14 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 (2026)

• Inc. 5000 Fastest-Growing Private Companies

• Forbes’ Fintech 50 (2023-2026)

• Great Places to Work Certified (May 2024-May 2027)

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 Senior Complex 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.

As a Senior Complex Claims Adjuster, you can expect to handle structure, dwelling, and contents claims. It is pivotal that you exhibit strong negotiation tactics in addition to analytical, organizational, and investigative skills as you will be working with larger losses and represented claims. Building rapport and keeping in close contact with our insureds is a vital component to this role, along with outstanding customer service ability, as it will help ensure your continued success.

Your responsibilities

• Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of company’s liability

• Drafting, approving, and adjusting estimates of damage and loss amounts utilizing Xactimate and Xactanalysis

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

• Writing clear, concise diary notes, managing and collaborating with vendors on field assignments, setting and saving contacts, and issuing payments

• Appropriately applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines

• Negotiating with attorneys and/or public adjusters to achieve fair and equitable settlements

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.

• You are independently managing a full caseload of complex, high-exposure property claims from first notice of loss through resolution — including represented files — consistently meeting timeliness and quality benchmarks across multiple states. Customers feel informed and supported throughout the process, reflected in strong satisfaction scores and minimal escalations.

• You demonstrate command of multi-state regulatory requirements and policy interpretation, producing well-documented files with sound coverage decisions, clear reservation of rights and denial letters where applicable, and effective negotiation outcomes with attorneys and public adjusters.

What you’ll bring

• 3+ years of first-party property claims adjusting experience directly with a carrier, with expertise handling files with exposure up to $100,000, demonstrating deep knowledge of policy interpretation and claims processes.

• Hands-on experience managing attorney- and public adjuster-represented claims is preferred, showcasing strong negotiation and conflict resolution skills.

• Proven ability to manage vendor relationships and negotiate effectively to drive favorable outcomes.

• Experience drafting complex reservation of rights letters, coverage denial letters, and release letters.

• Proven ability to conduct thorough and effective recorded statements in support of claim investigations.

• Ability to recognize potential fraud indicators and identify subrogation opportunities within a claim file.

• Skilled in Xactimate/Xactanalysis, with strong technical acumen across platforms like Excel, Snapsheet, Slack, and CRM systems.

• Exceptional interpersonal skills with a track record of guiding policyholders through challenging situations with empathy and professionalism.

• Serves as a resource and mentor to less experienced claims team members, supporting their professional development and ensuring consistency in claims handling practices.

• Familiarity with the litigation process, including prior deposition and/or mediation experience preferred

• Working knowledge of insurance laws, good faith practices, timelines, and regulatory requirements across multiple states.

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. Rest assured, real people make real decisions.

We will accept applications for this role through July 15, 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 - Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. We assume the best in each other and challenge ideas, not intentions. We show up, work hard, and play to each other's strengths — because that’s how great teams win.

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 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. 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