kin - Auto Claims Adjuster

Remote - USA+ Equity1w ago

Remote Mid NA Insurance Payments Claims Adjuster Coaching Reporting Excel Slack

Requirements

• 3+ years of auto claims adjusting experience • Experience handling Florida auto claims, including Florida's insurance code and PIP statute; experience in additional states (e.g. Texas, Georgia, Colorado, Arizona) a plus • Experience investigating and resolving disputed liability claims, including coverage analysis and determination • Experience handling Medical Payments coverage claims; PIP handling experience a plus • Proven ability to mentor junior adjusters, leading file reviews and coaching through complex claims • Experience working directly for an insurance carrier • Familiarity with Excel, Snapsheet, and Slack • Active adjuster license in good standing, with willingness to obtain additional state licenses as needed • We believe a great hiring experience should be clear, respectful, and human. We will accept applications for this position until July 31, 2026. 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. • 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.

Responsibilities

• Manage a full caseload of collision, comprehensive, third-party property damage, disputed liability, and Medpay-only claims • Investigate and document claims from first report through resolution, evaluating vehicle damage, determining coverage, and assessing liability on contested files • Review estimates and negotiate repair or total-loss settlements directly with appraisers and repair facilities • Analyze claims exposure, set reserves, and drive negotiation strategy on complex files • Draft coverage letters and resolve disputed liability claims across multiple states, including Florida • Maintain active adjuster licensing and CE credits across all required states, staying current on statutory changes and case law • Mentor junior adjusters through file reviews and coverage questions • Build and maintain vendor relationships with appraisers and repair facilities to drive faster claim resolutions • 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 customers 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. • Full ownership of a multi-state caseload, including contested liability, Medpay and total-loss files. Resolving claims accurately and on time with little need for oversight and consistently meeting the teams benchmarks for cycle time and quality. • Become a trusted resource on disputed auto liability and coverage determination, drafting clear coverage letter and raising the quality and consistency of decision across the unit. • Build strong working relationships with internal and external stakeholders, across different functional departments, providing additional insights on claim trends, reserving and recovery opportunities that improve both unit and organizational results.

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 • 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 • 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. • 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. • 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 [email protected]