Claims Total Loss Adjuster - Theft and Fire

AAA • Coppell, TX

2d

About The Position

The Total Loss, Theft & Fire Adjuster investigates, evaluates, and resolves automobile theft and fire claims in a timely, customer-focused manner. Working under general technical direction and within defined authority limits, the representative manages low- to moderate-complexity claims according to technical standards and customer service practices. The role involves investigating losses, documenting findings, evaluating coverage, explaining next steps, and moving claims toward fair and compliant resolution. Claim decisions must align with regulatory requirements and internal best practices.

Requirements

• 4–6 years of claims experience.
• Moderate proficiency using Microsoft Office products.
• Medium proficiency with general office equipment.
• Excellent verbal and written communication skills.
• Strong attention to detail and an investigative mindset.
• Ability to prioritize and multitask while maintaining detail and accuracy.
• Ability to interpret policy language and accurately apply coverage provisions.
• Customer-service orientation and ability to de-escalate concerns.
• Time-management and prioritization skills to manage multiple claims simultaneously.
• Basic understanding of vehicle valuation and disposition, or willingness to learn.
• Ability to pass state licensing requirements.

Nice To Haves

• Bachelor's degree or equivalent combination of education and experience preferred.
• Insurance background preferred but not necessary.
• Exposure to theft, fire, or property damage claim handling.
• Familiarity with salvage, lienholder processes, and DMV title handling.
• State adjuster license preferred.

Responsibilities

• Handle first-party theft and fire claims from initial report through closure, conducting investigations, verifying coverage, and determining applicable policy limits, exclusions, endorsements, and provisions.
• Obtain, review, and analyze evidence such as police reports, theft affidavits, EUO materials, repair estimates, ownership documents, fire reports, investigator findings, and photos; identify when SIU or fire specialists are needed.
• Communicate with insureds, law enforcement, SIU, lienholders, repair facilities, salvage yards, and vendors, providing clear updates, empathetic guidance, and support.
• Maintain complete, accurate, and compliant claim documentation, including file summaries, action plans, and proper reserves, while meeting regulatory and company documentation standards.
• Support subrogation and claim accuracy by preserving evidence, coordinating inspections with repair shops and fire investigators, and applying jurisdictional requirements and timeframes.
• Manage cycle times and service expectations to deliver timely, accurate claim decisions in accordance with policy language and regulatory standards.
• Assist members with rental guidance, recovery procedures, and documentation needs throughout the claim lifecycle.
• Maintain licensing compliance and follow internal procedures while controlling expenses within assigned investigative responsibilities.

Benefits

• Medical, dental, and vision coverage.
• 401(k) savings plan with company match and pension.
• Tuition assistance.
• Floating holidays and PTO for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts on membership, insurance, travel, entertainment, services, and more.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed