Senior Technical Property Adjuster

The Hanover Insurance Group

. Independently investigate highly complex and sensitive field property service claims, including outside field investigations and catastrophe response .

Posted 11/3/2026full-timeUnited StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in investigating complex property service claims, utilizing advanced negotiation strategies, and ensuring compliance with legal and regulatory frameworks. Proficient in using technology and data analytics to enhance claims handling and improve workflow efficiency.

Highest-signal resume keywords

Xactimate UsageAdvanced Negotiation SkillsExpert-Level Insurance KnowledgeClaims Systems ProficiencyBachelor's Degree or Equivalent Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationCoverage AssessmentSubrogation IdentificationData AnalysisFinancial Decision-MakingReport PreparationRisk Transfer StrategiesFraud DetectionWorkflow ManagementField Inspections

Soft Skills

Effective CommunicationEmpathyCollaborationTime ManagementOrganizational Skills

Tools & Technologies

Microsoft Office SuiteClaims SystemsData ToolsAnalytics Software

Certifications & Qualifications

State Adjuster LicensesXactimate Level 3 Certification

Industry Keywords

Insurance IndustryLegal FrameworksRegulatory CompliancePublic Safety AgenciesThird-Party Liability

About the role

Key responsibilities & impact

Independently investigate highly complex and sensitive field property service claims, including outside field investigations and catastrophe response
Lead investigations, assess coverage, issue reservation of rights and coverage letters, and escalate issues as needed
Collaborate with legal, underwriting, vendors, agents, and other experts to evaluate claims and determine 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
Identify and pursue opportunities to transfer risk to appropriate entities
Maintain comprehensive claim records and ensure jurisdictional compliance
Lead quality and efficiency initiatives for complex claims workflows
Identify and assign subrogation potential and support recovery efforts
Use technology, data tools, and analytics to identify trends, correct inconsistencies, and improve claims handling
Negotiate high-value and contested claims using advanced strategies
Investigate suspicious claims, identify fraud indicators, 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 and best-practice development
Deliver empathetic communication, educate claimants and stakeholders, and ensure a positive customer experience
Represent the company in mediations, arbitrations, and trials as needed
Travel on short notice and perform field inspections in adverse conditions

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
Must possess or obtain and maintain appropriate state adjuster licenses and continuing education credits
Valid driver’s license
Fluent in Xactimate usage with level 3 certification or ability to achieve
Strong knowledge of local geography, regulations, public safety agencies, applicable statutes, regulations, case law, and third-party legal liability concepts
Advanced negotiation, strategy, judgment, and decision-making skills
Expert-level insurance knowledge and deep understanding of legal and regulatory frameworks
Clear and effective verbal and written communication skills, with empathy toward stakeholders
Strong organization, time management, desk management, and complex workflow/project management skills
Ability to collaborate with internal and external experts, including legal and underwriting stakeholders
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 perform 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, and climb for several consecutive hours while inspecting damaged buildings
Ability to safely use a ladder and maintain balance while inspecting roofs
Ability to perform field work in adverse weather

Benefits

Comp & perks

Full-time exempt role
Remote work arrangement
Continuing education credits associated with required state adjuster licenses