Physical Damage Appraiser I

EMC Insurance Companies

About The Position

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. Ideal candidate will be located in or near the Des Moines metro area Essential Functions: Investigates and evaluates minor to moderately complex physical damage claims and losses Reviews the loss notice and policy to verify coverage, deductibles, loss payee/mortgagees and confirms that the loss occurred within the coverage period Evaluates repair shop and independent appraiser estimates to determine accuracy Evaluates photos to determine if damages are consistent with loss or prior unrelated damages Evaluates vehicle values and repair costs to establish repair ability versus total loss Resolves questions of coverage, liability and the value of claims Negotiates, settles and/or resolves minor to moderately complex claims and losses Sets adequate reserves to cover exposure Prepares damage estimates using Mitchell estimating software Negotiates claim settlement with insureds, claimants and attorneys Negotiates agreed repair price with repair facility Issues payments within check authority Responds to questions from the insureds, claimants and agents

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
Current technical knowledge of auto collision repair techniques and standards
Strong knowledge of state statutes
Strong interpersonal skills, conflict resolution, and negotiation abilities
Good knowledge of personal computers, electronic estimatics software, and the use of reference manuals relevant to this field of work
Excellent customer service skills
Strong organizational and written and verbal communication skills

Responsibilities

Investigates and evaluates minor to moderately complex physical damage claims and losses
Reviews the loss notice and policy to verify coverage, deductibles, loss payee/mortgagees and confirms that the loss occurred within the coverage period
Evaluates repair shop and independent appraiser estimates to determine accuracy
Evaluates photos to determine if damages are consistent with loss or prior unrelated damages
Evaluates vehicle values and repair costs to establish repair ability versus total loss
Resolves questions of coverage, liability and the value of claims
Negotiates, settles and/or resolves minor to moderately complex claims and losses
Sets adequate reserves to cover exposure
Prepares damage estimates using Mitchell estimating software
Negotiates claim settlement with insureds, claimants and attorneys
Negotiates agreed repair price with repair facility
Issues payments within check authority
Responds to questions from the insureds, claimants and agents

Benefits

More than 105 years of financial strength and stability
Named a five-star insurance carrier by Insurance Business America
Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America
Multiple locations recognized as Top Workplaces based solely on team member feedback
Corporate culture that engages and empowers team members to achieve their best
Outstanding benefits with life, medical, dental, vision and prescription drug coverage
Competitive paid time off plan and a full day of volunteer time off annually
Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards
Professional development and growth opportunities, including tuition reimbursement
Wellness initiatives to improve team member well-being and reduce health insurance costs
Flexibility to dress for your day and opportunities for alternative work arrangements