Senior Physical Damage Adjuster

HDVI•Greenville, SC

7d•Remote

About The Position

HDVI is a commercial trucking insurance company that uses real-time telematics data to inform risk models and provide fleet operators with dynamic pricing, risk mitigation, driver engagement, and insurance protection. The Senior Physical Damage Adjuster works closely with HDVI’s Claims and Fleet Services Teams and handles complex commercial heavy-trucking claims, including third-party and first-party auto property damage and motor truck cargo claims. The role provides claim resolution and tactical guidance to internal and external customers to achieve strong claims outcomes. The adjuster independently investigates, evaluates, negotiates, and resolves complex, high-severity commercial auto physical damage and cargo claims from assignment through final resolution. The role involves coverage and damage analysis, claim reserving and settlement, total-loss and salvage management, recovery opportunities, vendor coordination, and comprehensive file documentation. As a senior technical resource, the adjuster also mentors less-experienced adjusters and supports claim reviews, training, quality assurance, vendor management, and process improvement. HDVI describes its culture as values-driven, data-driven, ambitious, and collaborative. The company offers a remote-friendly work environment with periodic in-person team offsites. Candidates must be legally authorized to work in the United States; HDVI does not sponsor employment visas.

Requirements

At least 5 years of auto physical damage claims experience.
Advanced knowledge of commercial auto physical damage and motor truck cargo coverage, including policy provisions, endorsements, deductibles, trucking operations, motor carrier exposures, Independent Owner-Operators, leased equipment, large deductibles, and applicable state and federal requirements.
Strong technical knowledge of commercial vehicle damage evaluation and repair, including heavy-truck repair practices, estimating, appraisals, supplements, labor rates, parts evaluation, repair-versus-replace decisions, total-loss valuation, title and lienholder requirements, towing, storage, salvage, and cost containment.
Advanced expertise in motor truck cargo claims, including cargo damage, theft, contamination, spoilage, loss, documentation review, mitigation, inspection, transloading, storage, salvage, disposal, and recovery.
Strong reserving, recovery, and investigative capabilities, including recognizing adverse development and identifying and pursuing recovery opportunities.
Ability to investigate questionable claims, including potential fraud, unrelated or prior damage, questionable repairs, cargo theft, and inflated valuations, using available evidence to assess coverage, causation, liability, and damages.
Experience coordinating external claims resources such as appraisers, cargo surveyors, repair facilities, towing providers, salvage vendors, experts, and other service providers.
Strong analytical, critical-thinking, problem-solving, negotiation, communication, organizational, and independent decision-making skills; ability to manage a complex inventory, competing priorities, and deadlines while maintaining customer focus and mentoring less-experienced professionals.
Technology proficiency, including Google Workspace, Adobe Acrobat, estimating applications, and claims management technology.

Nice To Haves

Significant commercial auto, trucking, heavy-equipment, and/or motor truck cargo experience, including independent management of complex, high-severity tractor/trailer, specialty-equipment, total-loss, and significant cargo exposures.
College education or an equivalent combination of education and relevant claims experience.
Experience with Snapsheet, CCC, Mitchell, or similar platforms.

Responsibilities

Independently investigate, evaluate, negotiate, and resolve complex, high-severity commercial auto physical damage and motor truck cargo claims from initial assignment through final resolution.
Conduct coverage, causation, and damage investigations using policy provisions, endorsements, deductibles, loss circumstances, ownership information, and evidence such as telematics, dash-camera footage, GPS/ELD data, photographs, police reports, and shipping records.
Investigate cargo losses by reviewing bills of lading, shipping documents, freight contracts, invoices, ownership records, cargo valuations, salvage options, and other relevant documentation.
Evaluate vehicle, equipment, and cargo damages and related expenses, including estimates, supplements, appraisals, labor rates, parts, total-loss valuations, towing, storage, rental, loss-of-use, cargo handling, transloading, cleanup, and mitigation expenses.
Manage total-loss, cargo mitigation, and salvage activities, including vehicle valuation, title processing, lienholder requirements, salvage disposition, and damaged-cargo inspection, preservation, mitigation, storage, disposal, and salvage.
Establish and maintain loss and expense reserves, recognize adverse development, adjust reserves as information changes, and negotiate settlements within established authority.
Identify and pursue subrogation, salvage, contribution, indemnification, and other recovery opportunities; identify fraud indicators and matters needing further investigation or SIU referral.
Create claim action plans and coordinate appraisers, cargo surveyors, salvage vendors, towing providers, repair facilities, experts, and other external resources; control costs and communicate significant developments to Claims leadership.
Participate in large-loss reviews, claim roundtables, reserve reviews, and complex claim discussions; mentor less-experienced adjusters and support file reviews, training, quality assurance, vendor management, process improvement, and trend identification.
Manage a complex claim inventory with comprehensive documentation and customer service while complying with claims best practices, regulations, service standards, and authority levels, and meeting quality, productivity, cycle-time, cost, reserve, recovery, and customer-service expectations.

Benefits

Competitive salary and bonus program
Unlimited PTO
11 paid holidays each year
Medical, dental, vision, short-term disability, long-term disability, basic life, and AD&D coverage
FSA/HSA programs
401(k) retirement plan with company match contribution
Inclusive parental leave policy
Wednesdays are meeting-free
Birthday meal reimbursement
Remote-friendly environment with periodic in-person team offsites