Auto Appraiser - Photo

USAA•Seattle Metro, WA

About The Position

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are hiring an Auto Appraiser for the Washington State area. You must live in the state of Washington. You will within defined guidelines and framework responsible to investigate, evaluate and appraise vehicle damage claims for both repairable and total loss vehicles to ensure estimate accuracy in compliance with state laws and regulations. Accountable for delivering exceptional member service through setting appropriate expectations, proactive communications, advice, and emotional intelligence. What you'll do: With the use of digital tools, evaluates and appraises simple and moderately complex auto physical damage claims in accordance with the terms and conditions of the contract, corporate guidelines, and state laws and regulations. Investigates claim damages including communicating with the insured, internal claims adjusters, and third parties/vendors. May require face-to-face interactions with members and third parties. Reviews facts of loss and vehicle damage to determine if subrogation opportunities exist and ensures all supporting physical damage documentation is in the claim. Demonstrates intermediate knowledge of P&C insurance industry products, services, contracts, and internal processes/systems/procedures to ensure compliance with laws, regulations, and policy provisions. Reviews claims/suppliers for fraud indicators and refers to Special Investigations Unit for handling, if applicable. Maintains accurate and current claim file documentation throughout the claims process for moderate to complex claims. Maintains high standards of productivity through effective desk management, timely follow-ups, and accurate mapping of repair plan and timeline for repair in support of fast and accurate claim adjudication. Responsible for reviewing additional damages received from repair facilities to either complete a supplement or triage to field provider method of inspection. Proactively provides policyholders with information regarding their coverage, repair estimate or total loss valuation, and claims/repair process, while setting appropriate expectations. Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours. May be assigned CAT deployment travel with minimal notice during designated CATs. Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Requirements

High School Diploma or General Equivalency Diploma.
1 year of auto appraising experience.
Progressive knowledge of P&C insurance policy contracts and coverages, auto parts distribution process and claim appraisal process and procedures.
Working knowledge of estimating losses using CCC or similar estimating platforms.
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
May require the ability to operate a company vehicle within assigned territory.
May require the ability to reach, handle, squat, bend, climb, and keen as needed to complete inspections of damaged vehicles.
May require the ability to work outdoors in inclement weather conditions
May be exposed to working in body shop and/or salvage yard environments.
May be required to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver’s license.

Responsibilities

With the use of digital tools, evaluates and appraises simple and moderately complex auto physical damage claims in accordance with the terms and conditions of the contract, corporate guidelines, and state laws and regulations.
Investigates claim damages including communicating with the insured, internal claims adjusters, and third parties/vendors.
May require face-to-face interactions with members and third parties.
Reviews facts of loss and vehicle damage to determine if subrogation opportunities exist and ensures all supporting physical damage documentation is in the claim.
Demonstrates intermediate knowledge of P&C insurance industry products, services, contracts, and internal processes/systems/procedures to ensure compliance with laws, regulations, and policy provisions.
Reviews claims/suppliers for fraud indicators and refers to Special Investigations Unit for handling, if applicable.
Maintains accurate and current claim file documentation throughout the claims process for moderate to complex claims.
Maintains high standards of productivity through effective desk management, timely follow-ups, and accurate mapping of repair plan and timeline for repair in support of fast and accurate claim adjudication.
Responsible for reviewing additional damages received from repair facilities to either complete a supplement or triage to field provider method of inspection.
Proactively provides policyholders with information regarding their coverage, repair estimate or total loss valuation, and claims/repair process, while setting appropriate expectations.
Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.
May be assigned CAT deployment travel with minimal notice during designated CATs.
Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.