Auto Claims Adjuster II - Total Loss

At Horace Mann, we understand that experiencing a total loss can be one of the most stressful moments for our customers. We are seeking an experienced Auto Claims Adjuster II – Total Loss to guide policyholders through the total loss claims process with expertise, empathy, and exceptional service.

In this role, you'll independently manage a portfolio of total loss claims, applying advanced claims knowledge to investigate coverage and liability, evaluate vehicle values, negotiate settlements, and deliver timely claim resolutions. The ideal candidate is a skilled communicator and problem solver who thrives in a fast-paced environment while providing a seamless, customer-focused claims experience.

Key Responsibilities

Claims Investigation & Evaluation

• Verify coverage and investigate liability, damages, and claim circumstances for assigned total loss claims.
• Investigate complex losses, including multi-vehicle accidents, and determine appropriate claim handling strategies.
• Evaluate claims to determine settlement value while adhering to company best claim practices and regulatory requirements.
• Apply state-specific regulations and company guidelines to ensure accurate and compliant claims handling.

Total Loss Claims Management

• Independently manage a dedicated inventory of total loss claims from initial assignment through final settlement.
• Coordinate all aspects of the total loss process, ensuring timely evaluation, settlement, and claim closure.
• Negotiate fair claim settlements while balancing customer satisfaction and sound business practices.
• Maintain ownership of the customer experience throughout the total loss process, ensuring transparency and responsiveness.

Customer Service & Communication

• Provide proactive, timely communication to customers, claimants, lienholders, agents, and other involved parties.
• Deliver an extraordinary customer experience by demonstrating empathy, professionalism, and effective conflict resolution.
• Explain coverage, settlement decisions, and claims processes clearly and confidently.

Collaboration & Operational Excellence

• Partner with internal claims teams, vendors, and business partners to facilitate efficient claim resolution.
• Demonstrate leadership through collaboration, sound decision-making, and knowledge sharing.
• Maintain accurate claim documentation and ensure compliance with company policies and state regulations.
• Continuously expand technical claims knowledge and remain current on industry trends and regulatory changes.

Qualifications & Experience

Required

• 2+ years of prior claims handling experience, preferably in auto claims.
• Ability to independently manage a claims inventory while making sound claims decisions.
• Strong understanding of insurance coverage, liability investigations, and claim settlement practices.
• Ability to obtain and maintain all required state adjuster licenses.
• Excellent verbal and written communication skills.
• Strong analytical, organizational, and problem-solving abilities.

Preferred

• Experience handling total loss auto claims.
• Experience investigating multi-vehicle accidents and complex claims.
• Demonstrated leadership and conflict resolution skills.
• Strong customer service background with a commitment to delivering exceptional claim experiences.

Skills & Competencies

• Advanced claims investigation and evaluation
• Negotiation and settlement expertise
• Customer-focused communication and relationship management
• Sound judgment and decision-making
• Attention to detail and strong organizational skills
• Ability to work independently while managing multiple priorities
• Commitment to compliance, quality, and continuous improvement

Additional Information

• Strong verbal and written communication skills required.
• Must obtain and maintain all required state adjuster licenses.
• Periodic travel may be required.

Salary Range: 

        $57,500.00 - $79,100.00/annually + bonus 

Salary is commensurate to experience, location, etc.