Physical Damage Appraiser I

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.

Essential Functions:

• Investigates and evaluates minor to moderately complex physical damage claims and losses

• Reviews the loss notice and policy to verify coverage, deductibles, loss payee/mortgagees and confirms that the loss occurred within the coverage period

• Evaluates repair shop and independent appraiser estimates to determine accuracy

• Evaluates photos to determine if damages are consistent with loss or prior unrelated damages

• Evaluates vehicle values and repair costs to establish repair ability versus total loss

• Resolves questions of coverage, liability and the value of claims 

• Negotiates, settles and/or resolves minor to moderately complex claims and losses

• Sets adequate reserves to cover exposure

• Prepares damage estimates using Mitchell estimating software

• Negotiates claim settlement with insureds, claimants and attorneys

• Negotiates agreed repair price with repair facility

• Issues payments within check authority

• Responds to questions from the insureds, claimants and agents

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:

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.

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