General Adjuster - HNW Property (Large Loss) (Field-Based - Northeast)

Company Overview:

At Vault, we are not just insuring assets. We are reducing risks with data-driven technology to Protect What Matters Most to our customers.

Our team is driven by a shared commitment to protect customers’ most prized possessions. We look at the bigger picture to provide custom solutions, exceptional service, and risk management to protect their legacy proactively.

Thinking about joining our team? We look for self-motivated and inventive individuals dedicated to providing the highest level of service to our customers and partners.

The General Adjuster is a senior claims leader responsible for managing the most complex, high-severity property losses within one of the company’s most strategically important regions.

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.

Why Choose Vault:

• 46% of our workforce was referred by someone at Vault

• 37% growth rate in staff since December 2021

• Our Financial Strength is rated an A- by AM Best

• Rated 4.5 stars based on our customer experience reviews

• Our leaders are respected innovators with decades of insurance expertise

• Vault’s proprietary technology allows for enhanced capabilities, speed, and efficiency

• Leading high-net-worth insurance provider with a foundation in customized solutions

• Comprehensive benefits tailored to your lifestyle 

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 Account, 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, accrued yearly

• 11 paid holidays