We have a new and exciting opportunity for an experienced Auto Physical Damage Adjuster with a primary specialization in total loss claims.
This role will investigate, evaluate, negotiate, document, and settle automobile total loss claims, serving as a key departmental resource for moderate-to-complex total loss files. Working alongside the rest of the team, you will help improve timeliness and consistency across our claims process, absorbing a defined share of complex total loss work while remaining flexible to assist the broader team. This is a hybrid role based out of our home office in Flint Township.
- Monday and Friday: optional WFH
- Tuesday, Wednesday & Thursday: in person at home office location
Responsibilities:
- Total Loss Investigation and Settlement: Investigate, evaluate, and settle automobile total loss claims in accordance with policy terms, departmental procedures, and applicable requirements. Complete defensible actual cash value (ACV) evaluations using CCC and other approved resources and clearly explain valuation methodology and settlement terms to policyholders.
- Customer, Title, and Lienholder Coordination: Maintain timely and professional communication with insureds and other parties. Obtain and review title, ownership, lienholder, payoff, and settlement documentation. Coordinate letters of guarantee and address negative-equity/GAP-related questions.
- Complex and Escalated Files: Handle significant policyholder valuation disputes, problematic or unusually demanding lienholder situations, new-car replacement claims, and appraisal process demands.
- Departmental Support and Process Improvement: Serve as a total loss subject-matter resource for the Material Damage team. Promote consistent valuation, documentation, and communication practices, while helping to identify recurring friction points to recommend practical process improvements.
Other preferred skills & qualifications:
- Relevant property and casualty claims experience, Michigan No-Fault claims experience and automobile total loss handling, or an equivalent combination of education and experience.
- Experience with CCC vehicle valuations and resolving ACV disputes.
- Familiarity with modern vehicle technology, ADAS, calibration requirements, and repair-versus-total-loss considerations.
- Experience with appraisal demands or escalated settlement negotiations.
- Strong ability to investigate facts, analyze documentation, make sound decisions, and clearly explain claim outcomes.
- Excellent written and verbal communication skills with a customer-centric approach.
- Strong claim documentation, organization, and attention to detail.
- Proven negotiation skills and the ability to handle difficult conversations professionally.
- Ability to manage competing priorities and maintain timely follow-ups.