Sr Technical Property Adjuster

We need to output HTML fragment with sections: h3 headings for sections present: About the role (maybe from overview), Responsibilities (the "IN THIS ROLE, YOU WILL:" list), Requirements/Qualifications/Skills (the "WHAT YOU NEED TO APPLY:" list), Benefits (the "BENEFITS:" list). Also maybe "Career Development" but not required; we can include if content present. The instruction: include a section ONLY when posting has real, specific content for it. So we can include sections: About the role (position overview), Responsibilities, Requirements (or Qualifications), Skills, Benefits. Also maybe "Career Development". The posting includes "CAREER DEVELOPMENT:" paragraph. That's specific content, so we can include a section heading "Career Development". Also "Compensation" is mentioned but says "The target hiring range for this role may vary..." That's vague; not specific numbers. According to rule: never create Pay/Schedule/Benefits sections unless posting actually states them. Compensation is mentioned but not specific numbers; it's vague. Should we include a Pay section? The rule: never create Pay/Schedule/Benefits sections unless the posting actually states them. It does state compensation info but not specific numbers; still it's stating compensation exists. However they said "never create Pay/Schedule/Benefits sections unless the posting actually states them." The posting does have a "Compensation:" paragraph. So we could include a Pay section with that content. But they also said "Prefer a few substantive sections over many thin ones." Might be okay to include Pay. But also note: "Schedule" not mentioned. So no Schedule. We need to remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, application instructions. So we must strip out EEO statement, Privacy Policy, Applicants who are California residents, etc. Also remove "Click here for the full list of Benefits". Also remove "EEO statement:" etc. Also remove "Privacy Policy:" etc. Also remove "Compensation:" maybe we keep as it's substantive? It's not boilerplate; it's about compensation. Keep. We need to preserve all substantive information. So we need to include the position overview paragraph, the responsibilities list (the bullet points after "IN THIS ROLE, YOU WILL:"), the qualifications list (the "WHAT YOU NEED TO APPLY:" paragraph and bullet-like sentences), the benefits list (the bullet list after "Benefits include:"), career development paragraph, compensation paragraph. We must format using

for section headings. Use

• for any list of duties/requirements/benefits, and

  for prose. We need to decide which sections get lists. Section "About the role": could be the position overview paragraph (POSITION OVERVIEW: ...). That's prose ->

  . Section "Responsibilities": the list after "IN THIS ROLE, YOU WILL:" each sentence seems like a duty; we can make

  • for each. Section "Requirements": maybe combine "WHAT YOU NEED TO APPLY:" which includes both qualifications and skills. Could split into Requirements and Skills but we can just have one section "Requirements" with list. But instruction: Use headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We can choose which to include. We have content for About the role, Responsibilities, Requirements (or Qualifications), Skills, Benefits, Pay (compensation), Career Development (not in list but we could still include as heading? The instruction says use those headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It doesn't forbid other headings, but says "Use

    for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." It implies we should use those headings when appropriate. Could also add Career Development as heading but not in list; maybe better to omit or incorporate into About the role? But it's separate content. Could we treat Career Development as part of About the role? Might be okay to include as its own heading but not in the prescribed list; risk of violating instruction? The instruction says "Use

    for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." The "e.g." suggests those are examples, not exclusive list. So we can use other headings if needed. But to be safe, we could incorporate Career Development into About the role or as a separate section with heading "Career Development". I'd include it as its own heading. Now we need to strip out boilerplate: EEO statement, Privacy Policy, Applicants who are California residents, etc. Also remove "Click here for the full list of Benefits". Also remove "EEO statement:" etc. Also remove the duplicated lines like "This job posting provides cursory examples..." maybe keep? That's substantive? It's a disclaimer about duties; maybe we can keep as part of responsibilities? It's not a duty but a note. Could be considered boilerplate? It's a generic statement; maybe we can drop it as it's not substantive detail. The instruction: "Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions." That line is not exactly those categories; it's a disclaimer about job duties. Might be considered boilerplate? Not sure. Safer to keep? It's not duplicated. I'd keep it as part of responsibilities maybe as a paragraph. Also remove "POSITION OVERVIEW:" label? We can keep the content but not the label as heading; we will have heading About the role. Now we need to preserve all substantive information: So we need to include all details from the paragraphs. Let's extract content. About the role (position overview): "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 Severity Claims department is seeking a Senior Technical Property Adjuster. This is a remote Full-time/Exempt role with field investigations. POSITION OVERVIEW: The Sr Technical Property Adjuster is responsible for independently managing highly complex and high-value field property service claims. This role requires advanced investigation, evaluation, and negotiation skills to resolve field property claims with minimal oversight. 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." We can combine into a paragraph. Responsibilities (list): - Independently investigate highly complex and sensitive field property service claims, including those requiring outside field investigations and catastrophe (CAT) response, ensuring thorough analysis and resolution. - Handle estimates on structures averaging $200-300k and claims up to $500k. - Lead thorough investigations, assess coverage, and issue appropriate documentation including reservation of rights and coverage letters. Escalate issues as needed. - Collaborate with internal and external experts, including legal, underwriting, vendors, and agents, to evaluate claims and determine validity and value. - Lead cross-functional meetings and communicate complex information clearly to diverse audiences. - Serve as a subject matter expert and contribute to departmental projects and initiatives; act as a technical resource for other adjusters. - Identify and proactively pursue opportunities to transfer risk to the appropriate entities for the benefit of insureds and business partners. - Maintain comprehensive and detailed claim records, ensuring proper documentation and compliance with jurisdictional requirements. - Lead quality and efficiency initiatives for complex claims workflows. - Identify and assign subrogation potential appropriately; set up files to support successful recovery efforts. - Ensure all claims activities comply with regulatory and company standards. Execute jurisdictional compliance requirements and support others in understanding regulatory obligations. - Use technology and data tools to identify trends, correct inconsistencies, and optimize outcomes. - Negotiate high-value and contested claims using advanced strategies. - 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. - Set reserves, authorize payments, and make financial decisions within authority and contribute to reserving accuracy and efficiency. Use advanced tools and analytics to identify trends, correct inconsistencies, and improve claims handling efficiency. Ensure proper data ingestion, labeling, and protection of personally identifiable information (PII). - Maintains comprehensive factual and organized claim records and prepares detailed reports summarizing findings and recommendations. - Serve as a mentor to junior adjusters, providing guidance on complex claims, compliance, and litigation processes. Support training initiatives and contribute to the development of best practices and educational materials. - Deliver empathetic, clear communication throughout the claims process. Educate claimants and stakeholders, affirm next steps, and ensure a positive customer experience. - May represent the company in mediations, arbitrations, and trials. Must possess or obtain and maintain appropriate state adjuster licenses and continuing education credits, and a valid driver’s license. Note: Some sentences have duplicate content (like "Maintain comprehensive and detailed claim records" vs "Maintains comprehensive factual and organized claim records". We'll keep both as separate items? Might be duplicate but we can keep both; but instruction says remove duplicated lines. These are similar but not exact duplicates. Might be okay. Now Requirements/Skills: From "WHAT YOU NEED TO APPLY:" paragraph: "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; shapes and implements best practices. Fluent in Xactimate usage with level 3 certification or the ability to achieve. Strong knowledge of local geography, regulations, and public safety agencies, as well as the ability to build rapport with insureds and navigate the insurance and legal climate. Strong working knowledge of applicable statues, regulations, case law, and third-party legal liability concepts. Skilled in negotiation and developing strategies to influence outcomes. Demonstrates sound judgment and decision-making, including litigation and compliance matters. Expert-level insurance knowledge; deep understanding of legal and regulatory frameworks. Communicates clearly and effectively in both verbal and written formats across a variety of situations. Selects appropriate communication channels and consistently demonstrates empathy toward all stakeholders. Highly organized with the ability to manage complex workflows and project work. Demonstrates strong time management and desk management skills. Makes informed decisions based on thorough analysis of complex issues. Evaluates risks and outcomes, acts independently within authority, and identifies patterns in claims to support resolution strategies. Ability to collaborate with internal and external experts, including legal, underwriting, and other stakeholders, to ensure thorough evaluation. Designs empathetic customer service strategies; recognized for exceptional service. Ability to quickly assess customer concerns and anticipate questions, communicate and translate complex and technical terms clearly with easily understood language; deliver difficult messages when needed. Skilled in using claims systems and Microsoft Office Suite. Ability to use a personal computer and other 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 have and maintain sufficient home-based internet connection. Ability to operate a motor vehicle 4-5 hours per day and to get in and out of the vehicle numerous times during the day. Ability to load and unload equipment and supplies weighing up to 30 pounds from a motor vehicle as needed to perform field work. Ability to bend, walk, and climb for several consecutive hours while inspecting damaged buildings, often with utilities turned off or inoperable. Ability to use a ladder safely to get on and off roofs and maintain balance while inspecting roofs. Ability to perform field work in adverse weather." We can turn each sentence into

    . Some sentences are long; we