Auto Material Damage Adjuster

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🌾 Iowa – Remote

🌾 Iowa – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

🚫👨‍🎓 No degree required

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Midwest Family Mutual Ins. Co.

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 1891

💼 Consulting

⚖️ Legal

🛡️ Insurance

Consulting • Legal • Insurance

Midwest Family Mutual Ins. Co. is a mutual insurance company founded in 1891 that provides commercial and personal property & casualty insurance products through a network of independent agents. The company offers tailored coverages including businessowners, commercial auto, contractors, garage programs, workers' compensation, homeowners, personal auto, umbrellas, and specialty personal lines, and emphasizes hands-on underwriting, prompt claims service, and strong agent partnerships. Midwest Family Mutual operates across multiple states, holds an AM Best A- rating, and highlights customer satisfaction, local agent relationships, and community involvement.

📋 Description

• Investigate personal and commercial automobile claims and determine applicable coverage and liability • Obtain recorded statements from policyholders, claimants, witnesses, and other involved parties • Review policy language, endorsements, applicable statutes, and state-specific claim-handling requirements • Evaluate automobile damage using repair estimates, photographs, valuation reports, and supporting documentation • Handle total-loss claims, including vehicle valuation, settlement negotiations, title documentation, salvage coordination, and lienholder communication • Establish and maintain accurate claim reserves • Negotiate and settle covered claims promptly, accurately, and fairly • Coordinate with policyholders, claimants, agents, repair facilities, appraisers, vendors, lienholders, and other involved parties • Maintain timely, professional communication by telephone, email, and written correspondence • Prepare accurate and detailed claim-file documentation and reports • Manage a high-volume workload while meeting company standards and regulatory deadlines • Provide professional customer service and resolve conflicts effectively • Maintain required state adjuster licenses and complete continuing education requirements • Adapt to changing laws, policy provisions, procedures, and technology • Comply with company policies, procedures, and internal controls • Perform other duties as assigned

🎯 Requirements

• At least two years of experience handling automobile total-loss or material-damage claims required • Experience handling claims in multiple states highly desirable • College degree is a plus, not required • AIC, CPCU, or other insurance-related designation is a plus, not required • Thorough understanding of personal and commercial automobile policy coverages and their application • Working knowledge of automobiles, repair procedures, repair estimates, vehicle valuations, and total-loss settlements • Knowledge of motor carrier damage and cargo losses • Strong analytical, investigative, critical-thinking, and problem-solving abilities • Excellent negotiation and conflict-resolution skills • Excellent verbal and written communication skills • Strong organizational and time-management abilities • Ability to prioritize and complete tasks accurately in a high-pressure, high-volume environment • Strong computer skills and ability to work effectively in a paperless claims-management system • Proficiency with Microsoft Word and basic proficiency with Microsoft Excel • Ability to work independently and collaborate effectively as part of a team • Ability to learn and adapt to new technologies and changing claim-handling requirements • Ability to work effectively and efficiently in a work-from-home environment • Must maintain a suitable home-office workspace and reliable high-speed internet service • Regular schedule of 40 hours per week, consisting of eight-hour days, five days per week • Overtime may be required during periods of high claim volume • Must maintain all required state adjuster licenses and complete continuing education requirements • Regular and reliable attendance required • Must be able to travel when necessary and participate in training sessions, presentations, and meetings • Must have sufficient hand and finger dexterity to operate a keyboard, mouse, telephone, and other office equipment

🏖️ Benefits

• Full-time, work-from-home arrangement • Flexibility and support to thrive remotely • Continuing education requirements and training sessions • Reliable high-speed internet service required for the home office • Overtime may be required during periods of high claim volume