Sr Field Adjuster

About the role

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture. Our Property Claims department is seeking Senior Field Property Adjusters for the southern Illinois territory. This is a remote Full-time/Exempt role with field investigations.

The Senior Field Adjuster is responsible for independently managing moderate to complex and high-value field property claims. This role requires advanced investigation, evaluation, and negotiation skills to resolve field property claims. It involves thorough analysis, collaboration with internal teams and external experts, and will require travel on short notice. Strong technical expertise and the ability to manage claims in accordance with policy provisions, regulations, and best practices are essential to delivering high-quality service and outcomes.

This job posting provides cursory examples of some of the job duties associated with this position. The examples provided are not complete, and the position may entail other essential and job-related functions and responsibilities that employees will be required to perform.

Responsibilities

• Independently manage field property claims, including those requiring outside field investigations and catastrophe (CAT) response.
• Deliver empathetic, clear communication throughout the claims process.
• Educate claimants and stakeholders, affirm next steps, and ensure a positive customer experience.
• Set reserves, authorize payments, and make financial decisions within authority and contribute to reserving accuracy and efficiency.
• Lead thorough investigations, assess coverage, and issue appropriate documentation including reservation of rights and coverage letters. Escalate issues as needed.
• Investigate and manage suspicious claims using advanced techniques and tools; refer to the Special Investigation Unit (SIU) as needed.
• Maintain awareness of fraud indicators and regulatory reporting obligations.
• Identify and proactively pursue opportunities to transfer risk to the appropriate entities for the benefit of insureds and business partners.
• Identify and assign subrogation potential appropriately; set up