Total Loss Adjuster

Kemper • McAllen, AL

7d

About The Position

Responsible for resolving activities on assigned claims identified as potential total losses. The adjuster reviews claim details, coverage limits, estimates, and associated charges to confirm total loss evaluations, and controls rental/loss-of-use and other expenses associated with assigned claims. Assigned claims are concluded in a timely and cost-effective manner according to company guidelines and within the adjuster’s authority level, which is commensurate with experience. Assignments may include owner-retained claims, classic and exotic lines, Commercial Auto (including heavy equipment), fixed property, claims with potential policy-limit exposure, and liability features involving comparative negligence.

Requirements

• High school diploma or equivalent.
• At least one year of claim handling experience.
• Proficiency in basic computer skills, including Microsoft Suite products and web-based applications.
• Obtain and maintain state-required licensing where applicable.
• Initiative, sound judgment, and discretion.
• Time-management skills to meet claim-resolution deadlines.
• Strong analytical skills to evaluate claim information, assess damages, and make informed liability and settlement decisions.
• Effective verbal and written communication skills.
• Excellent customer service skills.
• Maintain a passing average in required courses and complete coursework within specified timeframes.
• Formal performance evaluations must result in a rating of “Meets Expectation” or higher.
• Maintain an acceptable level of competencies pertaining to the position.

Responsibilities

• Complete required courses, classes, and programs related to coverage, laws, investigations, and industry trends in Claims/Total Loss Adjusting; maintain passing averages and complete required coursework within specified timeframes.
• Secure state licensing within the guidelines for applicable states and maintain an acceptable level of position competencies and performance.
• Review loss notices to determine claim exposures and ensure they are properly established in the loss system within company Best Practices guidelines.
• Contact insureds and claimants on the same day or within 24 hours of receiving a loss assignment.
• Communicate clearly and promptly with customers and stakeholders, demonstrating empathy and sensitivity, anticipating customer needs, communicating decisions, setting expectations, and fulfilling commitments.
• Develop and implement negotiation strategies when communicating settlement information with insureds, claimants, attorneys, body shop personnel, lien holders, tow companies, and other parties.
• Handle claims in accordance with state Fair Claims Practices Acts and other regulations.
• Serve as a specialist in total loss, salvage, and state title laws to facilitate legal title transfer and claim resolution.
• Review claim details, coverage limits, estimates, and associated charges to confirm total loss evaluations; manage rental/loss-of-use and other associated expenses; and conclude claims promptly and cost-effectively within company guidelines and assigned authority.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED