Senior Subrogation Adjuster

Accountabilities:

Review open and paid homeowner property claims to identify subrogation opportunities, assess liability, and develop effective recovery strategies across fire, water, product failure, construction defects, and third-party liability cases.
Lead investigations and ensure timely preservation of critical evidence by coordinating inspections, notifying responsible parties, and preventing evidence spoliation.
Evaluate cause-and-origin findings, liability theories, and expert reports to determine the strongest recovery approach.
Identify and engage appropriate forensic experts, engineers, and other specialists, ensuring that investigation expenses are justified by potential recovery outcomes.
Assess litigation opportunities by weighing expected recoveries against legal costs, expert fees, jurisdictional considerations, and collection prospects.
Manage relationships with external subrogation vendors and legal counsel, reviewing and approving litigation strategies, expenses, scopes of work, and case progress.
Negotiate directly with insurance carriers, third parties, self-insured entities, public adjusters, and attorneys to secure favorable settlements, including pursuing inter-company arbitration when appropriate.
Coach and train frontline claims adjusters to recognize recovery opportunities, preserve evidence, conduct appropriate investigations, and provide timely notice to relevant parties.
Collaborate with internal teams, including Special Investigation Units (SIU), Legal, and Catastrophe, to identify recurring recovery opportunities and improve claims outcomes.
Maintain accurate recovery documentation and reserves, monitor performance against recovery targets, and regularly adjust reserves to reflect actual and anticipated outcomes.
Use operational data, claims trends, and field insights to identify improvement opportunities and strengthen the overall recovery program.
Requirements:
At least 8 years of property claims experience, including a minimum of 5 years exclusively focused on property subrogation rather than frontline claims handling.
Extensive knowledge of cause-and-origin investigations and liability theories involving fire, water damage, product failures, construction defects, and third-party negligence.
Strong understanding of multi-state legal and regulatory frameworks, including waiver of subrogation, anti-subrogation, comparative fault, made-whole doctrine, evidence spoliation, and statutes of limitations.
Proven ability to identify significant recovery opportunities, preserve critical evidence, and negotiate complex, disputed, and high-value claims successfully.
Demonstrated expertise in reviewing, challenging, and evaluating expert reports, with sound judgment regarding investigation expenses and litigation strategies.
Hands-on experience managing external legal counsel and third-party vendors, including oversight of costs, deliverables, case scope, and timelines.
Active adjuster license(s) or the ability to obtain and maintain the necessary licenses across all required states.
Strong negotiation, analytical, investigative, and decision-making skills, combined with excellent written and verbal communication abilities.
Ability to work independently, adapt quickly, and manage competing priorities in a fast-paced, remote environment.
Proficiency with modern claims management tools and the ability to work effectively with Microsoft Office Suite and Google Workspace.
A strong commitment to integrity, teamwork, curiosity, urgency, empathy, and continuous professional development.
Preferred Qualifications:
CSRP (Certified Subrogation Recovery Professional) certification or an equivalent professional designation.
Previous experience establishing, developing, or improving a dedicated subrogation or claims recovery function.
Experience handling inter-company arbitration proceedings, including through Arbitration Forums.
Additional experience with automobile claims subrogation.
Familiarity with claims management systems and estimating platforms such as Cotality.
A bachelor's degree and/or professional designations such as AIC, CPCU, or other relevant industry certifications.
Benefits:
Competitive compensation: Annual base salary ranging from $80,500 to $96,250, depending on experience, qualifications, and skills.
Additional incentives: Eligibility for equity participation and performance-based bonuses.
Remote-first culture: Fully remote working arrangements with flexibility and a strong emphasis on work-life balance.
Comprehensive healthcare: Medical, dental, and vision insurance options for employees and their families.
Life and disability coverage: Employer-provided insurance, with additional voluntary supplemental coverage options.
Paid parental leave: Up to 8 weeks (320 hours) of paid parental leave for eligible employees, with additional disability coverage available for birthing parents.
Retirement savings: A 401(k) company contribution equal to 3% of gross income, regardless of personal employee contributions.
Home office support: A one-time $1,500 allowance to set up a home workspace, plus a $75 monthly internet stipend.
Professional development: An annual $2,000 budget for courses, conferences, and other learning resources.
Health and wellness: A $50 monthly stipend through a dedicated wellness program.
Community engagement: Paid volunteer hours to support causes and organizations that matter to you.
Employee referral rewards: Financial incentives for successful candidate referrals.
Additional compensation opportunities: Certain positions may qualify for additional cash incentives or sales commissions, subject to applicable plan terms.