Damage Evaluator

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🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $66.5k - $92k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

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Horace Mann

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1945

💸 Finance

📚 Education

Insurance • Finance • Education

Horace Mann is a company that provides comprehensive insurance and financial solutions tailored for educators and public sector workers. The company offers a wide range of insurance options including auto, home, renters, liability, life, and supplemental insurance. In addition to insurance, Horace Mann provides retirement and financial strategies, such as 529 College Savings Plans, investment management, and student loan solutions designed specifically to help educators. They are committed to supporting educators through various programs, workshops, webinars, and partnership initiatives that aid in professional and personal financial wellness. Horace Mann is recognized for its strong financial stability and ethical governance practices, ensuring security and privacy for its nearly one million educator clients across the nation.

📋 Description

• 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.

🎯 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