Liability & Litigation Adjuster (Homeowners Insurance)

The Liability & Litigation Adjuster at Hippo Insurance is responsible for managing complex homeowners' property and liability claims, with a particular focus on litigated and pre-litigation cases. This role involves investigating losses, evaluating coverage, and negotiating settlements, all while collaborating closely with policyholders, vendors, and external counsel to ensure fair and timely claim resolutions. Additionally, the adjuster serves as a technical resource and mentor to team members, providing support at the supervisor level as needed.

Key responsibilities include promptly contacting policyholders to establish expectations and develop action plans, investigating claims of varying complexity, analyzing investigation findings and policy language to determine coverage, and communicating coverage determinations to policyholders in a clear and customer-focused manner. The adjuster is also tasked with assigning and coordinating vendors for required fieldwork, maintaining accurate electronic documentation of all file handling activities, evaluating and negotiating settlement amounts within assigned authority, and ensuring regular follow-up to bring claims to prompt resolution. Collaboration with property adjusters and legal counsel on litigated and potentially litigated matters is essential, as is serving as a technical resource, mentor, and trainer for team members.

Candidates should possess a minimum of six years of Property & Casualty claims experience, with at least three years adjusting litigated liability claims, including both first- and third-party matters. Demonstrated knowledge of homeowners' liability exposure, litigation processes, and potential bad faith considerations is required. Experience handling complex first-party litigation, including files involving potential bad faith allegations, is essential. A working knowledge of claims investigation practices, policy interpretation, and settlement negotiation is necessary, along with a general understanding of the principles of good faith and fair dealing. Candidates must have a thorough understanding of applicable Department of Insurance (DOI) regulations and compliance requirements, hold active multi-state claims adjuster licenses, including Texas, and have the ability to obtain additional state licenses as required. A bachelor's degree in business, risk management, or a related field is preferred, or a high school diploma or equivalent combined with the required claims experience. Professional claims designations such as Associate in Claims (AIC) or Senior Claims Law Associate (SCLA) are preferred. Strong critical thinking skills, excellent written and verbal communication skills, strong organizational skills with attention to detail, and the ability to manage a varied caseload with sound independent judgment are essential.

Compensation for this role includes a base salary ranging from $110,000 to $133,000 per year, depending on experience and qualifications. Benefits and perks offered by Hippo Insurance include multiple medical plans to choose from, 100% employer-covered dental and vision plans for team members and their families, a 401(k) retirement plan, short and long-term disability, employer-paid life insurance, Flexible Spending Accounts (FSA) for health and dependent care, and an Employee Assistance Program (EAP). The position is eligible for equity compensation and offers training and internal career growth opportunities. Hippo Insurance also provides flexible time off and a Little Hippos Program, offering 12 weeks of parental leave for primary and secondary caregivers.

Hippo Insurance is committed to building a team culture that celebrates diversity and inclusion. The company values ownership, curiosity, collaboration, and continuous improvement, and is dedicated to making homeownership effortless through the use of technology and data to help customers stay ahead of problems and protect what matters most.