Auto Claims Adjuster

Quick Summary
You'll maanage collision, comprehensive, and disputed liability auto claims across multiple states, including Florida. 3+ years of auto claims experience and an active Adjuster's license required.

Who We Are

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simpler, more affordable, and better for homeowners - especially in the places where climate risks, rising costs, and outdated systems make it hardest.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. To learn more about how we work and what we're building, visit kin.com http://kin.com and see how we work (https://www.linkedin.com/company/kin-insurance/life/kin/).

The Opportunity

Our Claims team is growing, and we're looking for an Auto Claims Adjuster to help us process and resolve auto damage claims quickly and accurately across multiple states. You'll manage collision, comprehensive, and third-party property damage claims, along with disputed liability claims and Medpay-only first party injury claims, with a particular focus on Florida.

This is a chance to sharpen your liability analysis skills on contested claims, contribute to conversations on claim trends and recovery opportunities, and help shape how the property damage unit operates day to day.

Your 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

Success in This Role

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.

What You'll Bring

- 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 me