Job DetailsJob Location: Fargo , ND 58102Salary Range: $52,000.00 - $65,000.00 SalarySummary: Nodak Insurance is seeking a highly motivated Material Damage Desk Appraiser. This position is responsible for evaluating, negotiating, and resolving material damage insurance claims involving physical damage to vehicles across multiple states. The role is based in our Fargo office; however, remote applicants residing in or near Sioux Falls, SD may also be considered. Essential Duties and Responsibilities: Conduct virtual estimates and supplements using customer‑ or repair‑shop‑provided photos for claims primarily in North Dakota, South Dakota, Nebraska, and Illinois. Review and revise auto body shop estimates in CCC One for collision and other material damage losses to ensure alignment with Nodak Insurance Company guidelines. Collaborate with field staff and Nodak’s Direct Repair Shop network to obtain photos and information necessary to accurately evaluate vehicle damage. Negotiate with auto repair facilities to reach agreement on the final cost of repairs. Determine the Actual Cash Value (ACV) for vehicles deemed total losses and coordinate with the total loss team to facilitate handling. Travel occasionally, as needed, to storm‑impacted areas to assist with high‑volume claims on site. Identify and report potential external fraud indicators or underwriting concerns. QualificationsEducation and Experience: Proficiency with CCC One estimating software and a strong understanding of automobile repair processes. An associate or bachelor’s degree is preferred; however, equivalent experience or prior work in an auto body repair facility will be considered. Professional designations such as AIC (Associate in Claims) or AINS (Associate in General Insurance) are a plus. Required Knowledge and Skills: Strong negotiation skills, exceptional attention to detail, and the ability to manage a high volume of claims efficiently. Ability to collaborate effectively with a wide range of adjusters; a team‑oriented mindset is essential. A strong interest in automobiles (cars, trucks, or anything with a motor) and a comfort level using advanced technology to solve problems and support customers. This role is an excellent fit for individuals who enjoy combining technical knowledge with customer service. Physical Requirements: Able to work in a typical office setting where the employee may occasionally lift and/or move up to 10 pounds. The noise level in the work environment is usually moderate. Occasional travel required (< 10%) Nodak Insurance Company complies fully with all federal, state, and local employment laws and shall provide equal employment and advancement opportunities for all persons regardless of race, color, creed, religion, national origin, sex, sexual orientation, age, the presence of any mental or physical disability, status with regard to public assistance or marriage, or any other category protected by local, state or federal law.

Amparo is an innovative auto insurance company that aims to provide affordable, reliable insurance products to a niche base of multilingual customers. Launched summer of 2021, Amparo is a new managing general agency (MGA) to the MA market and is poised for significant growth over the next few years, affording unique opportunities for career advancement spanning the range of insurance functions (e.g., sales, claims, underwriting) Your Title: Auto Claims Adjuster Your Location: Remote/Anywhere within the US Your Hours: Monday through Friday, 8 hours per day, Eastern Standard Time Compensation:  $70K+ plus benefits health/dental, other optional coverages, 15 vacation days, allocated sick days You Report To: Vice President of Claims   What Is the Opportunity? This position is responsible for handling Personal and Business Insurance Auto Damage claims from the first notice of loss through resolution, settlement, and payment. Claim types include multivehicle claims with two or more cars and unclear liability. The role will also handle more complex Auto Damage claims, such as non owned vehicles, fire or theft, potential fraud, and non auto property related damage. The adjuster provides quality claim handling throughout the claim life cycle, including customer contacts, coverage analysis, investigation, evaluation, reserving, negotiation, and resolution, while maintaining full compliance with internal and external quality standards and state specific regulations. What Will You Do? Your duties include, but are not limited to: - Customer Contacts and Experience: Deliver consistent service quality throughout the claim life cycle, including prompt contact, explaining the process, setting expectations, ongoing communication, following through, and meeting commitments to achieve optimal outcomes on every file. Fulfill specific service commitments made to certain accounts. - Coverage Analysis: Review and analyze coverage and apply policy conditions, provisions, exclusions, and endorsements for Auto Damage claims assigned mainly in Massachusetts. Address the proper application of deductibles, verify available benefits, and confirm coverage limits. Confirm priority of coverage, such as primary, secondary, or concurrent, while considering other jurisdiction specific issues. - Investigation and Evaluation: Investigate each claim to obtain relevant facts necessary to determine coverage, causation, extent of liability, establishment of negligence, damages, contribution potential, and exposure with respect to the various coverages provided. Contact appropriate parties, such as policyholders, accounts, claimants, law enforcement agencies, witnesses, and agents. Take recorded statements as necessary. - Recognize and request the appropriate inspection type based on the details of the loss and coordinate the appraisal process. Maintain oversight of the repair process and ensure appropriate expense handling. - Establish and maintain timely claim and expense reserves. - Manage file inventory and expense reserves by utilizing an effective diary system and documenting claim file activities to resolve claims in a timely manner. - Determine settlement amounts based on appraisal estimates, negotiate and convey claim settlements within authority limits to insureds and claimants. As appropriate, write denial letters, Reservation of Rights letters, and other necessary correspondence. - Provide support for other parts of the Auto Line of Business, such as First Notice of loss, Subrogation, Total Loss and Salvage. - Perform other duties as assigned. What Will Our Ideal Candidate Have? - Demonstrated ownership attitude and customer centric approach to all assigned tasks - Ability to work in a high volume, fast paced environment managing multiple priorities - Attention to detail ensuring accuracy - Strong verbal and written communication skills - Basic value determination - Advanced settlement techniques What Is a Must Have? - High School Diploma or GED - Fluent in Portuguese and/or Spanish required - Active adjuster’s license in at least one state required (any state) - A minimum of three years of previous auto claim handling experience At Amparo, we are committed to equal employment opportunities and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop, and retain employees. Amparo prohibits all unlawful discrimination, harassment, and retaliation against any individual who reports discrimination or harassment. Amparo Benefits… - Great Perks – We offer generous salaries, competitive health, and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more), paid vacation, 401(k) match, PTO - Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself. - Growth - Company growth provides unprecedented career growth. We engage each employee to build a career plan that benefits everyone, and we have a proven record of investing in you. - Generous Friends of Amparo Policy for referrals! Earn $750 for referring a friend!

The Company Commercial and personal line insurance carriers rely on EXL as a key business partner through our Castle High Value and EXL Risk Control service offerings. We offer a variety of field appraisal, inspection and risk control services to support our clients’ underwriting processes. EXL delivers industry-leading professionalism, quality and turn-around time, and our innovative solutions help our clients keep ahead of the competition. Castle High Value is the premier provider of high value residential insurance surveys to the insurance industry nationwide. https://www.exlservice.com/industries/insurance/castle-high-value The Position Castle High Value is looking for self-directed independent contractors to work from their own home or office and service both virtual and physical survey/inspection assignments in the Atlanta, GA and Cobb County area within a territory radius of approximately 100 miles of Atlanta. Experience in real estate, insurance, inspection, construction or appraising experience is a plus, but all interested candidates are encouraged to submit their qualifications. A 15 hour online training course can get you certified. Fees are negotiable depending on experience and the unique aspects of selected jobs. You will be responsible to schedule and conduct both site-based and virtual High Value Home property surveys that will be used for homeowners’ insurance purposes. This involves coordinating and completing surveys within your own schedule, managing work assignments you accept, and solid computer skills as all reports are web-based and completed online. If you are looking for flexibility, the ability to work independently, and have an interest in real-estate, construction, or interior design, then this might be the right opportunity for you. More on the Job Responsibilities Primary Requirements: - Professionally interact over the phone, via email, and in-person with homeowners and insurance agents - Conduct on-site and/or virtual property surveys on high value homes as per customer specific guidelines and procedures - Identify and document the construction materials/characteristics and unique features of the home - Obtain measurements of the home and other structures on the property - Generate an estimated replacement value of the home, and identify major hazards - Communicate the information gathered during on-site inspection in the provided web-based client requested forms accessed through the Castle website Tools or Items You Must Provide: - Digital camera - Windows based computer (not a Mac) - High speed internet access - Reliable vehicle - Measuring device such as: laser, 100 ft. tape, or measuring wheel - Auto and General Liability Insurance EEO/Minorities/Females/Vets/Disabilities Please also note that the data shared through the job application will be stored and processed by EXL in accordance with the EXL Privacy Policy. Application & Interview Impersonation Warning – Purposely impersonating another individual when applying and / or participating in an interview in order to obtain employment with EXL Service Holdings, Inc. (the “Company”) for yourself or for the other individual is a crime. We have implemented measures to deter and to uncover such unlawful conduct. If the Company identifies such fraudulent conduct, it will result in, as applicable, the application being rejected, an offer (if made) being rescinded, or termination of employment as well as possible legal action against the impersonator(s). EXL may use artificial intelligence to create insights on how your candidate information matches the requirements of the job for which you applied. While AI may be used in the recruiting process, all final decisions in the recruiting and hiring process will be taken by the recruiting and hiring teams after considering a candidate’s full profile. As a candidate, you can choose to opt out of this artificial intelligence screening process. Your decision to opt out will not negatively impact your opportunity for employment with EXL.

Are you a seasoned claims professional with a passion for navigating complex cases? MEM Insurance is seeking a Senior Claims Representative to join our Claims team. In this pivotal role, you’ll manage high-exposure workers’ compensation claims, lead investigations into coverage and fraud, and collaborate across departments to drive strategic outcomes. You’ll be a key decision-maker, a mentor to junior adjusters, and a champion of process improvement—all while ensuring exceptional service and regulatory compliance. At MEM Insurance, we don’t just protect our customers—we empower our employees. We foster a culture of integrity, collaboration, and innovation. Our team thrives on solving challenges together, supporting one another, and making a meaningful impact in the lives of our policyholders and injured workers. Essential Duties and Responsibilities: Claims Handling & Administration - Manage highly complex claims involving significant financial exposure, legal intricacies, and extended life cycles. - Conduct advanced investigations into coverage and compensability, including nuanced statutory interpretations. - Oversee medical case management for catastrophic injuries and lifetime care needs. - Review and authorize large or complex medical bills, negotiating adjustments to control costs. Return-to-Work Management - Develop comprehensive RTW strategies in collaboration with policyholders, legal counsel, and vocational consultants. - Ensure precision in benefit calculations for high-exposure claims, addressing tax and compliance risks. - Strategically deploy investigative efforts aligned with broader claims strategy. Claims Investigation & Loss Prevention - Lead investigations into complex fraud cases and collaborate with the Special Investigations Unit. - Conduct subrogation analysis and negotiate with third-party insurers or attorneys for maximum recovery. Settlements & Negotiation - Partner with legal teams to negotiate complex settlements and manage litigation processes. - Oversee Medicare compliance initiatives, including Medicare Set-Asides and CMS engagement. - Identify opportunities for structured settlements and lead negotiations. Reporting - Produce strategic reports on high-profile claims to guide management decisions. - Maintain system data integrity and prepare claims for Corporate Plan of Action meetings. Collaboration - Lead cross-departmental efforts to improve claims handling and risk management. - Resolve escalated customer service issues and support high-value accounts. - Participate in workflow improvement initiatives and committees. Team Leadership - Mentor and coach junior and intermediate adjusters. - Review escalated claims and provide actionable feedback. - Support workforce development and succession planning. Qualifications: - Bachelor’s degree in business or related field preferred, or equivalent industry experience. - 7–10 years of claims handling experience, with high exposure to Workers’ Compensation. - Associate in Claims (AIC), AIM, or CPCU designation preferred or ability to obtain. - Texas All-Lines license preferred. - Valid driver’s license required. Company Culture and Values At MEM Insurance, we are committed to our vision, mission, and values. We foster a culture of collaboration, integrity, and innovation. Our team is passionate about delivering exceptional service to our customers while supporting each other’s growth and success. We believe in accountability, continuous learning, and creating an environment where employees feel valued and empowered. Connection and Belonging MEM Insurance is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We believe that varied perspectives drive innovation and strengthen our ability to serve our customers and communities. Total Rewards Overview - Health Plans: Medical, Dental, and VisionIncludes fertility benefits, fully paid preventative care, and adult orthodontia. - Employer-Paid Life and Disability Benefits:Life Insurance (3x base salary), AD&D, Short and Long-term Disability. - Wellness and Recognition Program: Employer-paid incentives for employees and spouses. - Flexible Spending Account and Dependent Care options - Health Savings Account: Generous employer contribution. - Time Away from Work:Generous PTO, 11 Holidays + 4 Early Releases, 16 Hours Volunteer Time Off, 20 Days Paid Parental Leave, Marriage, Bereavement, and Jury Duty leave. - Employee Assistance Programs - 401k Retirement Plan: Employer match and profit sharing. - Adoption Assistance and Tuition Assistance Notice Regarding Use of Artificial IntelligenceMEM may use artificial intelligence (AI) tools to more efficiently facilitate and assist in decisions involving recruitment, hiring, promotion, renewal of employment, selection for training or apprenticeship, discharge, discipline, tenure, or the terms, privileges, or conditions of employment. Any such use of AI tools will comply with all applicable laws.