Auto Damage Appraiser Specialist

6 days ago


Iowa City, Iowa, United States EMC Insurance Full time
Job Description

In this role as an Auto Damage Appraiser Specialist at EMC Insurance, you will have the opportunity to gain valuable experience while contributing to the company's success. As a key member of our team, you will be responsible for settling physical damage auto claims of minor to moderate complexity with insureds and claimants.

Main Responsibilities:
  • Reviews loss notices and policies to verify coverage, deductibles, loss payee/mortgagees, and verifies date of loss to policy periods.
  • Evaluates repair shop and independent appraiser estimates to determine accuracy, writes accurate repair estimates, determines cost of repairs, drafts, and issues payments.
  • Reviews bills, invoices, and receipts for accuracy and issues payments accordingly.
  • Evaluates photos to determine if damages are consistent with loss or prior unrelated damages and writes repair estimates.
  • Evaluates vehicle values and repair costs to establish repair ability versus total loss.
  • Evaluates supplemental requests for additional repairs and processes them according to EMC guidelines and issues payments based on review.
  • Assists in resolving questions of coverage, determination of liability, and the value of claims by the claims adjusting staff or underwriters.
  • Evaluates repair times to determine length and cost of rentals to control indemnity costs.
  • Provides prompt detailed responses to vehicle owners, agents, and claims adjusting staff to ensure a positive claim experience for our customers.
  • Analyzes and sets adequate reserves to cover exposure based on EMC's reserving philosophy and the complexity of their claims to establish a dollar amount.
  • Prepares damage estimates using CCC estimating software and CCC photo link software.
  • Negotiates claim settlement with insureds, claimants, and attorneys.
  • Negotiates agreed repair price with repair facilities.
  • Issues payments within check authority.
  • Requests police reports.
  • Responds to questions from the insureds, claimants, and agents.
  • Makes recommendations for vehicle inspections based on estimate and damages.
  • Evaluates depreciation if applicable and assesses value.
  • Authorizes supplemental repairs and payment.
  • Evaluates and pays independent appraiser invoices.
  • Assists and participates in recovery efforts to catastrophe storm situations.
  • Performs special projects as requested.
  • Reviews files for subrogation.
  • Assists in small claim suits, mediations, and arbitrations.
Requirements:
  • High school diploma or equivalency.
  • Two years' auto repair and/or property claims experience or related experience.
  • Multiple state insurance adjuster and appraiser licenses required within 6 months of hire.
Estimated Salary: $60,000 - $80,000 per year

This is a great opportunity for those who enjoy working with numbers, have strong analytical skills, and are passionate about providing excellent customer service. If you are motivated, detail-oriented, and possess excellent communication skills, we encourage you to apply. The estimated salary for this role is between $60,000 and $80,000 per year, depending on experience and qualifications.



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