✦ Luna Orbit — Finance & Accounting

Sr Field Property Adjuster - Toledo, OH

at The Hanover Insurance Group

📍 Remote, US Remote 💰 $67K – $85K USD / year Posted April 09, 2026
Salary $67K – $85K USD / year
Type Full-Time
Experience senior
Exp. Years Not specified
Education Not specified
Category Finance & Accounting

This role independently manages moderate to complex and high-value field property claims for the Toledo, Ohio territory in a remote work setup. The position requires advanced investigation, coverage evaluation, negotiation, and strong compliance with policy, regulatory, and company standards.

  • Independently manage field property claims and handle outside field investigations
  • Lead thorough investigations and assess coverage with reservation of rights and coverage letters
  • Set reserves and authorize payments within authority
  • Investigate suspicious claims and coordinate with the Special Investigation Unit (SIU) as needed
  • Maintain comprehensive, compliant claim records and prepare detailed reports

Responsibilities emphasize claims operations and investigative workflow management, including documentation, reserving, payment authorization, and compliance. The role also uses advanced tools and analytics for trend identification and protects personally identifiable information (PII) through proper data ingestion and labeling.

The ideal candidate is a senior-level property claims adjuster with strong experience independently managing moderate to complex and high-value field property claims. They have hands-on expertise with coverage assessment, reservation of rights and coverage letters, subrogation setup, and investigating suspicious claims with SIU coordination. They can maintain accurate claim records, manage reserves and payment authority, and communicate clearly with cross-functional stakeholders.

independently manage moderate to complex and high-value field property claimsadvanced investigationevaluationand negotiation skillsadvanced techniques and tools to investigate suspicious claimsmanage claims in accordance with policy provisionsregulationsand best practicesability to manage claims with regulatory and company standards compliancetravel on short notice
CAT response experienceexperience mentoring junior adjusters
advanced tools and analytics (unspecified)
field property claimsfield investigationscatastrophe (CAT) responsecoverage assessmentreservation of rightscoverage letterssubrogation potentialjurisdictional complianceSpecial Investigation Unit (SIU)fraud indicatorssuspicious claims investigationreservesauthorize paymentspersonally identifiable information (PII) protectiondata ingestiontrend analysisdetailed reportslitigation processes
field property claimsfield investigationscatastrophe (CAT) responseadvanced investigationcoverage assessmentreservation of rightscoverage lettersclaim records documentationjurisdictional requirements compliancesubrogation potential identificationrecovery effortsregulatory compliancefraud indicatorsregulatory reporting obligationssuspicious claims investigationadvanced techniquestools for suspicious claimsSpecial Investigation Unit (SIU) referralreserves settingauthorize paymentsfinancial decisions within authoritydata ingestionlabelingpersonally identifiable information (PII) protectiontrend analysisinconsistency correctionclaims handling efficiency improvementdetailed reportslitigation processes
independent claim managementadvanced negotiationcollaboration with internal teamscoordination with external expertsclear communication to diverse audiencescross-functional meeting leadershipmentoring junior adjustersguidance on complex claimsattention to compliance and documentation
Industry Insurance
Job Function Independently adjust and resolve field property insurance claims with investigation, coverage determination, and compliance.
Role Subtype Claims Adjuster
Senior Field Property AdjusterSr Adjuster Field Service Claimsfield property claimsfield investigationscatastrophe (CAT) responsereservation of rightscoverage lettersreservation of rights and coverage letterssubrogation potentialclaims recordsjurisdictional complianceregulatory reporting obligationsSpecial Investigation Unit (SIU)fraud indicatorssuspicious claimsreservesauthorize paymentsPIIpersonally identifiable information (PII)data ingestiontrend analysisdetailed reports

Must be able to travel on short notice, Must demonstrate experience independently managing field property claims, Must have ability to investigate suspicious claims and coordinate with the Special Investigation Unit (SIU)

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