Liability Claims Adjuster

Liability Claims Adjuster

You'll manage third-party homeowners liability claims from FNOL through litigation, working directly with counsel, experts, and claimants on complex casualty files.

Kin makes life simpler, more affordable, and better for homeowners especially in the places where climate risks, rising costs, and outdated systems make it hardest. 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.

We're looking for a Liability Claims Adjuster to help us manage a growing volume of third-party homeowners liability claims with the same rigor and customer focus we bring to every part of the claims process. As Kin's book of business expands, this role is critical to protecting our customers and stakeholders through complex casualty files involving bodily injury, property damage, and litigation. You'll bring deep third-party claims expertise to a team that's actively rethinking how insurance should work.

Investigate coverage, liability, and damages on casualty claim files involving complex issues, severe injuries, and multiple parties

Conduct recorded statements, consult with police and experts, inspect property damage, and review medical records to build a complete claim picture

Evaluate liability and damages exposure, including bodily injury and property damage

Set and adjust reserves based on ongoing investigation findings

Manage pre-suit and litigation claims with outside counsel, including mediations, depositions, and other litigation events

Identify and refer potential subrogation or fraud indicators

Maintain clear, accurate claim file documentation in compliance with state regulations and company guidelines

Own a caseload of claims from first notice of loss through resolution

Use AI tools where they support faster, more accurate claims handling, consistent with team practice

In your first 612 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 homeowners 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.

A full caseload of liability claims is being managed accurately and on time, from FNOL through resolution

Litigation files are progressing smoothly with outside counsel, with no missed deadlines or preventable escalations

Reserve accuracy has improved through consistent, well-documented investigation practices

Subrogation and fraud referrals are being caught early and handled appropriately

12 years minimum experience adjusting liability property claims, including bodily injury and property damage

Direct experience working attorney-represented, litigated claims

Working knowledge of multiple state insurance laws and good faith claims handling

Active adjuster license(s) in required states, or ability to obtain one within a defined timeframe

Ability to manage a high-volume caseload with competing deadlines

Strong negotiation and conflict resolution skills in claim settlement contexts

Data-driven, analytical approach to evaluating liability and damages

Prior carrier experience

We believe a great hiring experience should be clear, respectful, and human. We will accept applications for this position until August 27, 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

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.

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

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 1520 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

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