Sr. Auto Appraiser - Field Auto CAT Team

USAA • Atascosa, TX

118d • $63,590 - $114,450

About The Position

As a dedicated Senior Auto Appraiser, you will work within defined guidelines and framework responsible for the investigation, negotiation, evaluation and appraisal of vehicle damage claims for both repairable and total loss vehicles to ensure estimate accuracy in compliance with state laws and regulations. You will be accountable for delivering exceptional member service through setting appropriate expectations, proactive communications, advice, and empathy. This is a field-based role in the San Antonio or Austin, TX area. Candidates who are willing and able to work within this area and deploy as needed are encouraged to apply. Relocation assistance is not available. This is an hourly, non-exempt position with paid overtime and potential CAT pay availability. A fleet vehicle is assigned for field responses with normal business travel, including virtual and physical deployments.

Requirements

• High School Diploma or General Equivalency Diploma.
• 2 years of auto appraising experience.
• Proficient knowledge of P&C insurance policy contracts and coverages, auto parts distribution process and claim appraisal process and procedures.
• Advanced working knowledge of estimating losses using CCC or similar estimating platforms.
• Demonstrated written and verbal skills to communicate with members, claimants, repair facilities, and other internal and external stakeholders.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

Nice To Haves

• Auto appraisal experience with all-weather perils.
• Prior virtual and CAT deployment experience.
• Geographically located to deploy quickly to catastrophe prone areas.
• Proven ability to multi-task and triage claims in a high-volume environment.
• Experience with STARS or other automotive Direct Repair Programs (DRP).
• ICAR Platinum certified.
• Active insurance adjuster license.
• Currently reside in San Antonio or Austin, TX area.
• US military experience through military service or a military spouse/domestic partner.

Responsibilities

• Evaluates and appraises highly complex auto physical damage claims in accordance with the terms and conditions of the contract, corporate guidelines and state laws and regulations.
• Investigates claim damages including communicating with the insured, internal claims adjusters, and third parties/vendors.
• Reviews facts of loss and vehicle damage to determine if subrogation opportunities exist and ensures all supporting physical damage documentation is in the claim.
• Demonstrates advanced knowledge of P&C insurance industry products, services, contracts, and internal processes/systems/procedures to ensure compliance with laws, regulations, and policy provisions.
• Reviews claims/suppliers for fraud indicators and refers to Special Investigations Unit for handling, if applicable.
• Maintains accurate and current claim file documentation throughout the claims process for complex claims.
• Maintains high standards of productivity through effective desk management, timely follow ups, and accurate mapping of repair plan and timeline for repair in support of fast and accurate claims adjudication.
• Responsible for reviewing additional damages received from repair facilities to either complete a supplement or triage to field provider method of inspection.
• May serve as a subject matter expert representative for disputed claims or trials.
• Serves as a resource to team members on escalated issues of a routine nature.
• Partners with vendors and internal business partners to facilitate highest complexity claims resolution.
• Proactively provides policyholders with information regarding their coverage, repair estimate or total loss valuation, and claims/repair process while setting appropriate expectations.
• Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.
• May be assigned CAT deployment travel with minimal notice during designated CATs.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Benefits

• Comprehensive medical, dental and vision plans.
• 401(k).
• Pension.
• Life insurance.
• Parental benefits.
• Adoption assistance.
• Paid time off program with paid holidays plus 16 paid volunteer hours.
• Various wellness programs.
• Career path planning and continuing education.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: High school or GED