Claims Liability Specialist

Kin is on a mission to change home insurance from what it is to what it should be. Whether we’re leveraging data to create customizable coverage or providing claims service that goes above and beyond expectations, our members are at the heart of everything we do. In the face of ever-growing climate risk, they deserve an insurance company that cares about them. We aim to stick with our members through thick and thin.

Use efficient technology that lets homeowners buy directly from us to keep costs down: This is the essence of Kin. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2024).

• Forbes' America's Best Startup Employers (2021- 2023).

• Inc. 5000 Fastest-Growing Private Companies.

• Forbes’ Fintech 50.

Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.

So, what’s the role? 

We are looking for a Claims Liability Specialist with third-party homeowners claim and litigation experience to join our growing team. Because we tackle insurance differently, we want you to draw on your expertise in residential third party claims while helping us to continue to innovate on behalf of Kin’s customers and our stakeholders. 

In this role, you will have the opportunity to examine and interpret insured’s policies, forms in force, and other records to determine coverage. You will not only communicate with customers and claimants, but will correspond with all attorneys throughout the litigation process while providing outstanding customer service.

 A day in the life could include 

• Investigating all relevant facts needed to evaluate coverage, liability, and damages on casualty claim files that may involve complex issues, severe injuries and/or multiple parties

• Using varying methods of investigation, including taking recorded statements, consulting with police and other experts, inspecting property damage, and reviewing medical records and other documents 

• Evaluating and determining injury/damage causality to the loss

• Working with outside counsel on pre suit and litigation claims including attending pre-suit and post suit mediations, depositions and other litigation related events 

• Writing clear and concise diary notes and communications, as well as negotiating with claimants and attorneys

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

I’ve got the skills...but do I have the necessary ones? 

• 4+ years (minimum) of liability property claims adjusting experience 

• 3+ years of experience working directly for a carrier 

• Working knowledge of Florida insurance laws and Florida good faith claims handling experience 

• Excellent interpersonal and critical thinking skills 

• Data-driven, analytical approach 

• Calibrating and communicating with defense council

• Outstanding negotiation skills

• An active Adjusters License

Oh, and don’t worry, we’ve got you covered. 

• Remote Work and flexible work hours 

• Flexible PTO policy 

• Very generous equity package

• 401K match 

• Parental Leave 

• Continuing education and professional development 

• Disability and Life Insurance 

• The excitement of joining a high-growth Insurtech company and seeing your work make an impact 

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.

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.