Senior Technical Property Adjuster

The Hanover Insurance Group

. Independently manage highly complex and high-value field property service claims .

Posted 11/3/2026full-timeUnited StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expert-level insurance knowledge and negotiation skills, with a strong ability to analyze complex claims and collaborate with legal and underwriting teams. Proficient in using technology and data tools to optimize claims-handling efficiency while ensuring compliance with regulatory standards.

Highest-signal resume keywords

Expert-Level Insurance KnowledgeXactimate Usage Level 3 CertificationNegotiation of Highly Complex ClaimsRegulatory Compliance ExpertiseStrong Verbal and Written Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims ManagementAdvanced InvestigationsRisk AssessmentData AnalysisClaims Systems ProficiencyFinancial Decision-MakingSubrogation IdentificationReport PreparationField InvestigationsJudgment and Decision-Making

Soft Skills

Empathetic Customer ServiceCollaborationTime ManagementOrganizational SkillsEffective Communication

Tools & Technologies

Microsoft Office SuiteClaims SystemsData ToolsAnalytics Software

Certifications & Qualifications

State Adjuster LicensesContinuing Education CreditsXactimate Level 3 Certification

Industry Keywords

Insurance IndustryLegal FrameworksRegulatory CompliancePublic Safety AgenciesThird-Party Legal Liability

About the role

Key responsibilities & impact

Independently manage highly complex and high-value field property service claims
Conduct advanced investigations, including outside field investigations and catastrophe response
Assess coverage and issue reservation-of-rights and coverage letters
Escalate issues as needed
Collaborate with legal, underwriting, vendors, agents, and other experts to evaluate claim validity and value
Lead cross-functional meetings and communicate complex information to diverse audiences
Serve as a subject matter expert and technical resource for other adjusters
Contribute to departmental projects, quality initiatives, efficiency initiatives, and best-practice development
Identify risk-transfer opportunities and assign subrogation potential
Maintain detailed claim records and ensure jurisdictional and regulatory compliance
Use technology, data tools, and analytics to identify trends, correct inconsistencies, optimize outcomes, and improve claims-handling efficiency
Negotiate high-value and contested claims
Investigate suspicious claims and refer matters to the Special Investigation Unit as needed
Set reserves, authorize payments, and make financial decisions within authority
Ensure proper data ingestion, labeling, and protection of personally identifiable information
Prepare detailed reports summarizing findings and recommendations
Mentor junior adjusters and support training initiatives
Provide empathetic communication and educate claimants and stakeholders throughout the claims process
Represent the company in mediations, arbitrations, and trials as needed
Travel on short notice and perform field investigations

Requirements

What you’ll need

Bachelor’s degree preferred or equivalent experience
Typically 8+ years of industry experience
Industry designation relevant to the role preferred
Recognized authority in negotiating highly complex claims
Fluent in Xactimate usage with level 3 certification or the ability to achieve
Strong knowledge of local geography, regulations, public safety agencies, applicable statutes, regulations, case law, and third-party legal liability concepts
Skilled in negotiation, strategy development, judgment, decision-making, litigation, and compliance matters
Expert-level insurance knowledge and deep understanding of legal and regulatory frameworks
Clear and effective verbal and written communication skills
Strong organization, time management, and desk management skills
Ability to analyze complex issues, evaluate risks and outcomes, act independently within authority, and identify claims patterns
Ability to collaborate with legal, underwriting, and other internal and external experts
Exceptional empathetic customer service skills
Skilled in claims systems and Microsoft Office Suite
Ability to use a personal computer and standard office equipment
Ability to sit and/or stand for extended periods
Required to work on-site as needed
Ability to travel as necessary
Ability to work in a fast-paced, changing, or stressful environment
Ability to work in a noisy/loud work environment
May be required to maintain sufficient home-based internet connection
Ability to operate a motor vehicle 4–5 hours per day and repeatedly enter and exit the vehicle
Ability to load and unload equipment and supplies weighing up to 30 pounds
Ability to bend, walk, climb, and inspect damaged buildings for several consecutive hours
Ability to safely use a ladder and maintain balance while inspecting roofs
Ability to perform field work in adverse weather
Must possess or obtain and maintain appropriate state adjuster licenses, continuing education credits, and a valid driver’s license

Benefits

Comp & perks

Full-time/exempt role
Remote work arrangement
Continuing education credits associated with required adjuster licensing