Senior Physical Damage Adjuster

HDVI • Anderson, SC

5d • Remote

About The Position

HDVI is a modern commercial trucking insurance company that uses real-time telematics data to inform risk models and help fleets reduce premiums, mitigate risk, and improve driver safety. The Senior Physical Damage Adjuster works closely with HDVI’s Claims and Fleet Services Teams and handles complex commercial auto physical damage and motor truck cargo claims. The role provides claim resolution and tactical guidance to internal and external customers to achieve strong claims outcomes.

Requirements

• At least 5 years of auto physical damage claims experience.
• Active Adjuster’s License and ability to obtain and maintain all required state licenses.
• Advanced knowledge of commercial auto physical damage and motor truck cargo coverage, 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 requirements, lienholder considerations, towing, storage, salvage, and cost containment.
• Strong reserving, recovery, and investigative capabilities, including recognizing adverse development and pursuing recovery opportunities.
• Ability to identify and investigate questionable claim activity, including fraud indicators, unrelated or prior damage, questionable repairs, cargo theft concerns, and inflated valuations.
• Ability to use telematics, dash-camera footage, GPS/ELD data, photographs, police reports, and other evidence to evaluate 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 claim inventory, competing priorities, and critical deadlines while maintaining customer focus and serving as a technical resource and mentor.
• Strong technology capabilities, including proficiency with Google Workspace, Adobe Acrobat, estimating applications, and claims management technology.

Nice To Haves

• Significant commercial auto, trucking, heavy-equipment, and/or motor truck cargo claims experience, including independent management of complex and 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 and high-severity commercial auto physical damage and motor truck cargo claims from assignment through final resolution.
• Conduct coverage, causation, and damage investigations using policy information, telematics, dash-camera footage, photographs, GPS/ELD data, police reports, shipping records, and other evidence.
• Investigate cargo losses by reviewing bills of lading, shipping documents, freight contracts, invoices, ownership records, cargo valuations, salvage opportunities, and related documentation.
• Evaluate vehicle and equipment damage and related expenses, including repair estimates, supplements, appraisals, total-loss valuations, towing, storage, rental, loss-of-use, cargo handling, transloading, cleanup, and mitigation.
• Manage total-loss, cargo mitigation, and salvage activities, including vehicle valuation, title processing, lienholder requirements, and damaged-cargo inspection, preservation, storage, disposal, and salvage.
• Develop and maintain 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 issues that may require additional investigation or SIU referral.
• Develop claim action plans and coordinate appraisers, cargo surveyors, salvage vendors, towing providers, repair facilities, experts, and other external resources.
• Serve as a senior technical resource and mentor; participate in large-loss reviews, claim roundtables, reserve reviews, training, quality assurance, vendor management, and process improvement.
• Manage a complex claim inventory with comprehensive documentation and strong service while meeting compliance, quality, productivity, cycle-time, cost-control, reserve-accuracy, recovery, and customer-service expectations.

Benefits

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

What This Job Offers

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