General Adjuster- HNW Property
Vault Insurance · United States
- Hybrid
- Full-time
- $120,000 / year
- United States
Job highlights
- Lead complex, high-severity HNW property claims.
- Provide technical expertise and strategic guidance.
- Manage client relationships with a high-touch approach.
- Direct field operations and expert evaluations.
- Collaborate across departments for business strategy.
About the role
General Adjuster High Net Worth Property
A senior claims leader is needed to manage the most complex, high-severity property losses in a strategically important region. This role serves as a technical authority and trusted advisor for an elite high-net-worth (HNW) client base, handling large-loss claims that require advanced coverage expertise, independent decision-making, and a concierge-level service approach. Designed for highly experienced professionals, this position represents a step above traditional large loss adjusting, with elevated responsibility for claim strategy, stakeholder management, and resolution outcomes.**Company Overview**
Vault offers high net worth personal insurance and customized solutions for individuals and families. We’re not just insuring assets, we’re reducing risks with data-driven technology to protect what matters most – cherished moments, family memories, and priceless legacies. We are looking for the best and the brightest talent inspired to protect what matters most to our customers – a team, a culture and philosophy to be the best at what we do. We will drive industry change by solving problems with custom insurance solutions and technology to create an exceptional customer experience, improving underwriting and sustaining profitable growth.
Job Responsibilities
- Senior Claims Leadership & Strategy: Handle the company’s most complex and high-value homeowner property claims, often involving significant severity, complexity, and visibility. Establish claim strategy early and drive execution through resolution, ensuring accuracy, defensibility, and alignment with company objectives. Serve as a technical leader and escalation point for challenging coverage and large-loss matters.
- Coverage Expertise & File Ownership: Conduct advanced coverage analysis and make independent, high-impact claim decisions. Manage all aspects of first-party property losses, including litigated, pre-litigation, and complex multi-party claims. Maintain best-in-class file documentation to support coverage positions and litigation defense.
- Elite Client & Stakeholder Engagement: Build trusted relationships with insureds, brokers, family office representatives, attorneys, and advisors. Deliver a high-touch, discreet service model consistent with the expectations of HNW clients. Manage sensitive, high-exposure claims with professionalism, poise, and strong communication discipline.
- Field Direction & Loss Evaluation: Direct independent adjusters, experts, and vendors in the investigation, scoping, and evaluation of losses. Determine appropriate repair or replacement strategies for complex or custom properties. Evaluate and pursue subrogation opportunities where applicable.
- Coverage Positioning & Litigation Management: Draft and issue reservation of rights and denial letters supported by clear policy language and claim facts. Retain and manage counsel, engineers, forensic accountants, and other experts. Evaluate exposure, establish and adjust reserves, and actively manage litigation posture.
- Settlement Authority & Negotiation: Lead high-stakes negotiations, mediations, and dispute resolution processes. Exercise settlement authority consistent with role seniority and financial controls. Drive timely, equitable resolutions that balance client experience with indemnity discipline.
- Cross-Functional Leadership: Partner closely with underwriting on renewal strategy, risk insights, and large-loss trends. Collaborate with finance, actuarial, operations, and product teams to inform broader business strategy.
- Executive Reporting & Governance: Prepare executive-level claim summaries and present large-loss matters to senior leadership. Ensure strict compliance with all internal guidelines and regulatory requirements.
- Catastrophe Response: Provide leadership support during catastrophe events, including potential deployment. Travel as needed (~20%) based on claim and business needs.
Preferred Qualifications
- Bachelor’s degree or equivalent experience.
- 8+ years of property claims experience, including significant large-loss and/or HNW exposure.
- Proven experience operating at a General Adjuster or equivalent senior level.
- Advanced expertise in coverage analysis, litigation management, and claim strategy.
- Demonstrated success handling high-severity claims with autonomy and sound judgment.
- Exceptional communication skills with the ability to engage sophisticated stakeholders.
- Strong organizational discipline with the ability to manage complex, high-value inventories.
- Proficiency with Microsoft Office and claims systems.
- Flexibility to adjust schedule based on business and catastrophe demands.
Benefits
- Flexible Spending Accounts & Health Savings Accounts, with company contributions
- Company paid comprehensive life & disability insurance plans
- 24/7 Telehealth Doctor Access, Virtual wellness screenings, Employee Assistance Programs
- Company 401k retirement plan with Day 1 eligibility (6% company match, 100% immediate vesting)
- 23 PTO days/ year
- 11 paid holidays and so much more!
We believe diversity makes us better, and we seek to create a workplace where all feel a sense of belonging.
Key skills/competency
- High Net Worth Property Claims
- Complex Loss Adjusting
- Coverage Analysis
- Litigation Management
- Claim Strategy
- Stakeholder Engagement
- Negotiation
- Property Claims
- Insurance Leadership
- Risk Management
Skills & topics
- General Adjuster
- HNW Property Claims
- Insurance
- Claims Management
- Property Claims
- Large Loss Adjusting
- Coverage Analysis
- Litigation Management
- Senior Claims Adjuster
- High Net Worth
How to get hired
- Tailor your resume: Highlight 8+ years of HNW property claims experience and large-loss handling.
- Showcase expertise: Emphasize advanced coverage analysis, litigation management, and strategic decision-making skills.
- Demonstrate client skills: Provide examples of building trusted relationships with HNW clients and stakeholders.
- Prepare for interviews: Be ready to discuss complex claim scenarios and your independent judgment.
- Research Vault Insurance: Understand their focus on protecting cherished moments and their data-driven approach.
Technical preparation
Master advanced coverage analysis techniques.,Practice complex claim strategy development.,Refine file documentation for defense.,Study HNW client service models.
Behavioral questions
Describe a complex HNW claim you managed.,How do you build trust with sophisticated clients?,Explain your approach to high-stakes negotiations.,How do you handle challenging coverage issues?
Frequently asked questions
- What is the primary focus of the General Adjuster role at Vault Insurance?
- The General Adjuster at Vault Insurance is responsible for managing the most complex and high-severity property losses, specifically for high-net-worth clients. This role demands advanced coverage expertise, independent decision-making, and a concierge-level service approach.
- What level of experience is required for the General Adjuster position?
- The role is designed for highly experienced professionals, requiring at least 8 years of property claims experience, with a significant focus on large-loss and/or high-net-worth (HNW) exposure. Proven experience at a General Adjuster or equivalent senior level is essential.
- What are the key responsibilities for managing HNW client relationships?
- Key responsibilities include building trusted relationships with insureds, brokers, family office representatives, attorneys, and advisors. The role demands a high-touch, discreet service model and professional handling of sensitive, high-exposure claims.
- What technical skills are most critical for this General Adjuster role?
- Critical technical skills include advanced coverage analysis, independent claim decision-making, managing first-party property losses (including litigated and complex claims), and maintaining meticulous file documentation for coverage and defense.
- Does the General Adjuster role involve travel?
- Yes, travel is required for this role, estimated at around 20%, based on claim and business needs. This includes potential deployment during catastrophe events.
- What kind of professional development or growth opportunities are available at Vault Insurance?
- While specific programs aren't detailed, the role's senior leadership and strategic involvement suggest opportunities for professional growth in technical expertise, client management, and influencing business strategy. The company's focus on driving industry change also indicates a dynamic environment.
- How does Vault Insurance approach technology in its claims process?
- Vault Insurance utilizes data-driven technology to reduce risks and protect what matters most to their clients. This suggests a modern, efficient approach to claims handling, aiming for an exceptional customer experience.
- What are the typical benefits offered to employees at Vault Insurance?