Physical Damage Appraiser I at EMC Insurance Companies

Lowell, Massachusetts, United States -

Full Time

Start Date

Immediate

Expiry Date

13 Feb, 26

Salary

68995.0

Posted On

15 Nov, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Auto Repair, Property Claims, Insurance Adjusting, Negotiation, Conflict Resolution, Customer Service, Organizational Skills, Written Communication, Verbal Communication, Technical Knowledge, Estimating Software, Interpersonal Skills, Photo Evaluation, Damage Assessment, Supplemental Repairs, Subrogation

Industry

Insurance

Description

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. **This position is eligible to work remotely in the Des Moines, IA area with some flexibility to work remotely in the Midwest** Essential Functions: Investigates and evaluates minor to moderately complex auto claims and losses through the following: Reviews the loss notice and policy to verify coverage, deductibles, loss payee/mortgagees and verify date of loss to policy periods Evaluates repair shop and independent appraiser estimates to determine accuracy. Writes accurate repair estimates. Determines cost of repairs. Drafts and issues payments Reviews bills, invoices, and receipts for accuracy and issues payments accordingly Evaluates photos to determine if damages are consistent with loss or prior unrelated damages and writes repair estimates Evaluates vehicle values and repair costs to establish repair ability versus total loss Evaluates supplemental requests for additional repairs and processes them according to EMC guidelines and issues payments based on review Assists in resolving questions of coverage, determination of liability, and the value of claims by the claims adjusting staff or underwriters Evaluates repair times to determine length and cost of rentals to control indemnity costs Provides prompt detailed responses to vehicle owners, agents, and claims adjusting staff to ensure a positive claim experience for our customers Negotiates, settles, and/or resolves minor to moderately complex auto claims and losses through the following: Analyzes and set adequate reserves to cover exposure based on EMC's reserving philosophy and the complexity of their claims to establish a dollar amount Prepares damage estimates using CCC estimating software and CCC photo link software Negotiates claim settlement with insureds, claimants, and attorneys Negotiates agreed repair price with repair facility Issues payments within check authority Requests police reports. Responds to questions from the insureds, claimants, and agents. Makes recommendations for vehicle inspections based on estimate and damages. Evaluates depreciation if applicable and assesses value. Authorizes supplemental repairs and payment. Evaluates and pays independent appraiser invoices. Assists and participates in recovery efforts to catastrophe storm situations. Performs special projects as requested. Reviews files for subrogation. Assists in small claim suits, mediations, and arbitrations. Education & Experience: 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 Knowledge, Skills & Abilities: 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 The hiring salary range for this position will vary based on geographic location, falling within either of the following: $50,073 - $68,995 or $55,191 - $76,061 A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers. Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws. All of our locations are tobacco free including in company vehicles. Why should you choose to apply for a position at EMC? We can give you plenty of reasons why EMC is a great place to work: 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 EMC complies with labor law requirements. View the federal and e-verify labor law posters. California Residents - California Consumer Privacy Notice: (EMCC) – California Consumer Privacy Notice (EMCNL) - California Consumer Privacy Notice

Responsibilities

Investigate and evaluate minor to moderately complex auto claims and losses, including reviewing loss notices, evaluating repair estimates, and determining repair costs. Negotiate and settle claims while ensuring a positive experience for customers.