Liability & Litigation Adjuster (Homeowners Insurance)

The role

The Liability and Litigation Adjuster manages a caseload of complex Homeowners' property and liability claims, focusing on litigated and pre-litigation files. This person investigates losses, evaluates coverage, and negotiates settlements while collaborating with policyholders, vendors, and outside counsel.

What you will do

• Manage all aspects of property and liability losses related to Personal Lines Homeowners claims, with emphasis on litigated files.
• Make prompt contact with policyholders to establish expectations, develop an action plan, and complete an initial exposure assessment.
• Investigate claims of varying complexity.
• Analyze investigation findings and policy language to determine coverage.
• Communicate coverage determinations to policyholders.
• Assign and coordinate vendors for required field work.
• Maintain complete, accurate, and timely electronic documentation of all file handling activity.
• Evaluate and negotiate settlement amounts within assigned authority and issue payments.
• Ensure regular, timely follow-up on all assigned files.
• Monitor and adjust claim file reserves to reflect current exposure.

Required qualifications

• 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.
• Experience handling complex first-party litigation, including files involving potential bad faith allegations.
• Working knowledge of claims investigation practices, policy interpretation, and settlement negotiation.
• General understanding of the principles of good faith and fair dealing.
• Thorough understanding of applicable Department of Insurance (DOI) regulations and compliance requirements.
• Active multi-state claims adjuster license(s), including Texas, with the ability to obtain additional state licenses as required.
• High school diploma or equivalent combined with the required claims experience.
• Strong critical thinking skills with the ability to identify irregularities and support fraud prevention efforts.
• Excellent written and verbal communication skills.
• Strong organizational skills, with attention to detail and accurate record-keeping.
• Ability to manage a varied caseload with sound independent judgment while collaborating effectively with team members, vendors, and outside counsel.

Nice to have

• Bachelor's degree in business, risk management, or a related field
• Professional claims designation such as Associate in Claims (AIC) or Senior Claims Law Associate (SCLA)
• Experience with Special Investigations Unit (SIU) or fraud-related matters

Benefits

• Multiple medical plans to choose from
• 100% employer covered dental & vision plans for team members and their families
• 401(k) retirement plan
• short & long-term disability
• employer-paid life insurance
• Flexible Spending Accounts (FSA) for health and dependent care
• Employee Assistance Program (EAP)
• Equity compensation
• Training and internal career growth opportunities
• Flexible Time Off
• 12 weeks of parental leave for primary and secondary caregivers

About the company

Hippo uses technology and data to help customers stay ahead of problems and protect what matters most. It operates as a diversified carrier platform, partnering with MGAs to deliver tailored program solutions.