Inside Auto Physical Damage Claims Adjuster

Bridger Insurance Services•Remote, TX, TX

3d•$26 - $43•Remote

About The Position

We are seeking an experienced and motivated Inside Property Damage Adjuster to join our Claims team. This position is responsible for managing property damage claims from initial assignment through resolution. The successful candidate will be comfortable working in a high-volume, technology-enabled claims environment and will be able to independently investigate claims, evaluate damages, assess coverage, communicate with customers and third parties, coordinate vendors and field resources, and negotiate fair claim settlements. This is an inside/desk adjusting position, but it requires strong claims judgment and ownership. You will use photographs, videos, estimates, statements, documentation, inspection reports, repair information, and other available evidence to evaluate claims and make well-supported decisions. The ideal candidate combines strong technical claims knowledge with excellent customer service and communication skills.

Requirements

2+ years of property/casualty claims adjusting experience preferred.
Experience handling auto property damage claims strongly preferred.
Experience with coverage, auto physical damage, liability, bodily injury or similar P&C claims will be considered.
Working knowledge of insurance policies, coverage analysis, claims investigation, estimating, and settlement practices.
Strong written and verbal communication skills.
Strong organizational and time-management abilities.
Ability to independently manage multiple claims and competing priorities.
Strong attention to detail and documentation discipline.
Ability to analyze photographs, estimates, reports, statements, and other claim evidence.
Comfortable making decisions and explaining those decisions professionally.
Proficiency with Microsoft Office/Google Workspace and the ability to quickly learn new claims technology and software.
Ability to work effectively in a fast-paced, changing environment.

Nice To Haves

Multi-state adjuster licensing.
Experience handling California, Texas, and/or Arizona claims.
Experience with non-standard auto insurance claims.
Experience reviewing estimates using CCC, Mitchell, or comparable estimating systems.
Experience working with independent adjusters and third-party vendors.
Experience with digital/photo/video-based claim inspections.
Experience handling supplements and disputed estimates.
Experience identifying potential fraud or inflated damage.
Experience in a high-volume claims environment.
Experience with modern cloud-based claims-management platforms.
Bilingual English/Spanish communication skills are a plus.

Responsibilities

Handle assigned property damage claims from FNOL through resolution.
Review loss information, policy provisions, photographs, estimates, reports, statements, and supporting documentation.
Conduct timely and thorough coverage and liability investigations as applicable.
Determine the nature and extent of damages using available digital documentation, photographs, video, estimates, inspections, and other evidence.
Identify potential coverage issues, exclusions, limitations, misrepresentation, fraud indicators, or other concerns and escalate appropriately.
Establish appropriate claim reserves and update reserves as claim circumstances change.
Maintain accurate and complete claim files and activity notes.
Develop appropriate claim action plans and follow through on outstanding items.
Evaluate estimates and invoices for accuracy, reasonableness, scope, pricing, and consistency with the documented damage.
Communicate claim decisions clearly and professionally.
Serve as a knowledgeable and empathetic point of contact throughout the claim process.
Explain coverage, claim decisions, next steps, documentation requirements, and settlement information in language customers can understand.
Set realistic expectations regarding claim timelines and resolution.
Respond promptly to customer, claimant, agent, attorney, vendor, and internal inquiries.
De-escalate difficult conversations while maintaining appropriate claim-handling standards.
Deliver a claims experience that reflects our commitment to being responsive, fair, and easy to work with.
Review repair estimates and supporting documentation.
Work with independent adjusters, field inspectors, repair facilities, contractors, appraisal resources, and other vendors when necessary.
Coordinate inspections or field assignments when a claim cannot be appropriately evaluated through desk adjusting alone.
Review supplemental requests and determine whether additional payment is supported by the facts, policy, and applicable guidelines.
Identify discrepancies between reported damage, inspection findings, estimates, photographs, and other claim documentation.
Maintain productive relationships with vendor partners while maintaining appropriate claims controls.
Handle claims in accordance with applicable policy language, company procedures, regulatory requirements, and established claims-handling standards.
Maintain compliance with applicable state requirements in California, Texas, and Arizona, as well as other jurisdictions assigned to the role.
Maintain appropriate claim documentation to support decisions and payments.
Recognize and appropriately escalate potential fraud or suspicious claim activity.
Escalate litigated, complex, high-severity, questionable, or otherwise sensitive claims in accordance with company guidelines.
Participate in claim audits, quality reviews, training, and process-improvement initiatives.
Stay current on applicable licensing, continuing education, regulatory, and claims-handling requirements.
Use claims-management systems, estimating platforms, digital inspection tools, document-management systems, and other technology required to manage claims efficiently.
Embrace digital claims tools and emerging technology rather than relying exclusively on traditional claims processes.
Identify repetitive or inefficient processes and recommend improvements.
Contribute ideas that improve cycle time, accuracy, customer experience, and overall claims performance.
Help build scalable claims processes as the organization grows.