Role Description Under the direction of the Claims Manager, the Physical Damage Appraiser (Desk) is responsible for reviewing, evaluating, and resolving personal and commercial auto physical damage claims of low to moderate complexity. This position performs desk-based damage evaluations using photos, estimates, and documentation submitted by vendors and repair facilities. The appraiser ensures fair, accurate, and timely claim resolution through proper estimating practices, repair methodology review, and strong file documentation. This role does not involve field inspections, bodily injury, or medical-related claims. Qualifications - High school diploma or equivalent required; Bachelor’s degree or technical training preferred. - Minimum of two (2) years of experience handling auto physical damage claims, auto estimating, or collision repair-related work. - Strong understanding of personal and commercial auto physical damage coverages and repair methodologies. - Proficiency with auto estimating software and claims management systems. - Ability to analyze estimates, photos, and documentation to accurately assess damages without physical inspections. - Excellent verbal and written communication skills, including negotiation and conflict resolution. - Strong organizational skills with the ability to manage multiple files in a fast-paced desk environment. - Proficiency with Microsoft Office and claims management systems. - Must be available to work during disaster or catastrophe situations (including nights/weekends) as required. - Holds a Georgia Adjuster’s License or must acquire license within required timeframe. - Familiarity with OEM repair procedures and industry estimating standards is desired. - Understanding of total loss evaluation, salvage, and recovery processes is desired. - Knowledge of subrogation practices related to auto physical damage claims is desired. Requirements - Review and evaluate auto physical damage estimates and supporting documentation for personal and commercial auto claims. - Analyze photos, repair estimates, supplements, and related documentation to determine scope of damages and appropriate repair methods. - Prepare, revise, and approve estimates using approved estimating software and company guidelines. - Evaluate supplement requests from repair facilities for accuracy, necessity, and compliance with repair standards. - Identify repair versus total loss indicators and refer total loss recommendations as appropriate. - Apply depreciation, betterment, and repair methodology decisions in accordance with company standards. - Identify potential salvage, subrogation, or recovery opportunities and refer to the handling adjuster when applicable. - Maintain detailed, accurate, and timely claim file documentation supporting all estimate and settlement decisions. - Communicate professionally with adjusters, repair facilities, vendors, and internal stakeholders to resolve estimate-related issues. - Ensure compliance with state regulations, company procedures, and fair claims handling requirements. Benefits - 401(k) company match up to 6% eligible upon hire - Medical, dental & vision, including company paid Life insurance and long-term disability - Health care flexible spending accounts - Paid time off - Parental & family leave; military leave & pay - Employee Referral Incentive - Career Development & Continuing Education Assistance Physical Conditions/Requirements The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.

Role Description Responsible for the investigation, evaluation and disposition of cases on assignment, which may include an established portion of the office/team workload and/or individual assigned cases that present high exposure or complex coverage or liability issues. Works autonomously within prescribed authority limits. This position includes responsibility for handling claims involving severe and catastrophic injuries. Training is a critical component to your success and that success starts with reliable attendance. Attendance and active engagement during training is mandatory. Responsibilities: - Manages, investigates, and resolves claims. - Investigates and evaluates coverage, liability, damages, and settles claims within prescribed procedures and authority. - Recommends ultimate resolution on assigned cases in excess of their authority to local claims management and Home Office. - Identifies potential suspicious claims and refers to SIU and identifies opportunities for third party subrogation. - Prepares for and attends trials, hearings and conferences and reports to Home Office and local management on status. - Confers with trial counsel and prepares trial reports. - Communicates with policyholders, witnesses, and claimants in order to gather information regarding claims, refers tasks to auxiliary resources as necessary, and advises as to proper course of action. - Responds to various written and telephone inquiries including status reports. - Ensures adequacy of reserves. Recommends reserve increases on cases in excess of authority. - Accountable for security of financial processing of claims, as well as security information contained in claims files. - Responsible for managing the practices and billing activities of outside and in-house counsel. - May assist in the absence of the Claims Team Manager, representing the company on matters involving state or federal regulatory agencies. - May be involved in special projects and/or mentoring at the direction of local management. Ideal experience includes: - A strong background in casualty, litigation and coverage analysis and the writing of coverage position letters. - Small commercial general liability claims background. Qualifications - Must have an expert knowledge of coverage, liability, and complex claims handling procedures. - Must be able to effectively handle claims at the highest technical and complexity level. - Must be knowledgeable of state and federal laws in the adjuster's jurisdiction. - A full working knowledge of claims operations and procedures is required. - Excellent written and oral communications skills required as well as strong interpersonal, analytical, investigative and negotiation skills. - The capabilities, skills and knowledge required is normally acquired through a Bachelor's degree or equivalent experience and at least 7 years of directly related experience. - Ability to obtain proper licensing as required. Benefits - Comprehensive benefits. - Workplace flexibility. - Professional development opportunities. - Opportunities provided through Employee Resource Groups. Company Description At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

• Contacts insureds, claimants, and other involved parties to confirm loss details and applicable policy coverage • Explains claims process, next steps, and outcomes to involved parties • Investigates, evaluates, negotiates, and settles first- and third-party auto/property damage claims from start to finish • Takes inbound calls from customers and maintains an inventory of pending claims • Conducts coverage and liability investigations • Advises customers of available benefits, coverages, and liability outcomes • Coordinates and oversees the claims process; keeping customers informed • Negotiates estimating damages and supplements • Validates reparability and monitors repairs • Arranges towing, storage, and rental vehicles as needed • Addresses subrogation and total loss responsibilities • Ensures the insurance program agreements and Claim Service Level agreements between external clients and Mobilitas Insurance are adhered to • Ensures compliance that specific state regulations and/or policy provisions is completed with needed file documentation and appropriate correspondence

• Responsible for reviewing pharmacy claims submitted through the CVS Health claims processing systems • Identify and rectify claim inaccuracies that would result in client over-payment • Contact pharmacies for proper documentation to ensure a claim was submitted correctly • Monitor assigned clients and report status on a regular basis • Follow appropriate policies in the event of an inaccurate claim submission