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.

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.