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Damage Evaluator
Location
United States
Posted
1 day ago
Salary
$66.5K - $92K / year
Seniority
Senior
Job Description
Damage Evaluator
Horace Mann
• Provide an extraordinary customer experience by adhering to strict response guidelines, claims handling standards, and state compliance requirements. • Confirm coverage and liability for assigned losses. • Review estimates from appraisers and repair facilities and prepare estimates using photos and industry-standard estimating software. • Utilize estimating software and photos to evaluate and, when appropriate, adjust the fair value of repairs. • Determine the appropriate scope of vehicle damages related to a loss. • Review supplemental damage claims to ensure repairs are related and settled at fair value. • Complete Actual Cash Value (ACV) evaluations and referrals for vehicles determined to be total losses. • Issue payments, send claim correspondence, and settle claims in a timely and accurate manner. • Establish and maintain proactive communication with customers, repair facilities, agents, and other involved parties throughout the claims process. • Deliver Distinctive Service by keeping customers informed and creating a frictionless claims experience. • Effectively manage customer rental expenses by monitoring repair timelines and ensuring timely claim resolution. • Demonstrate professionalism and empathy while assisting customers in high-stress situations. • Handle complex losses involving first-party and third-party claimants, including high-dollar-value claims. • Build strong relationships with repair facilities and conduct advanced discussions and negotiations. • Negotiate with repair facilities to ensure fair and reasonable claim outcomes. • Reconcile repair facility estimates and verify related damages. • Gain agreed-upon scopes of damage with customer-selected repair facilities. • Develop and maintain advanced knowledge of vehicle systems, repair methods, and industry estimating practices. • Serve as a subject matter expert for vehicle repair procedures, damage evaluation, and estimating best practices. • Deliver technical training and mentoring to claims professionals and team members. • Support process improvement initiatives and contribute expertise on claim handling best practices. • Maintain ownership of assigned inventory while ensuring efficiency, quality, and compliance standards are met. • Collaborate effectively with internal business partners and vendors to drive optimal claim outcomes.
Job Requirements
- High School Diploma or GED required.
- 5+ years of related claims handling, collision repair, auto estimating, or technical automotive experience.
- Strong working knowledge of CCC estimating software.
- Proven experience handling complex and high-value auto damage claims.
- Strong understanding of auto repair methods, vehicle systems, and estimating practices.
- Ability to obtain and maintain required state adjuster licenses within six months of hire.
- Demonstrated ability to maintain compliance with applicable regulations and company standards.
- Strong customer service, communication, negotiation, and analytical skills.
- I-CAR certification and/or body shop training preferred.
- Guidewire claims system experience preferred.
- Experience serving as a technical resource, trainer, or mentor preferred.
- Experience with total loss evaluations and ACV determinations preferred.
Benefits
- Health insurance
- 401(k) matching
- Flexible work hours
- Paid time off
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