Total Loss Adjuster

Primary

Purpose:

Obtains all necessary information to evaluate auto total loss claims and expedite settlement.

• Confirm coverage for claims. Responsible for the accurate and efficient completion of all phases of an auto total loss claim; process from inception to settlement
• Investigate personally and/or in conjunction with Specialist/Manager on major losses and complex claims
• Obtain (via telephone, correspondence, or personal visit) appraisals, repair estimates, total loss evaluations form, market comparable, photos, NADA, etc., as required
• Analyze all accumulated data, reports, photos, etc. and evaluate total loss claims; determine coverage and extent of loss; prepare corresponding claims summaries.
• Settle auto total loss claims within limits of authority; issue checks/ACH for claim payment, if required, obtain liability releases upon settlement, and close claim files
• Responsible for completion of tag tax and title, approving and extending rental vehicle usage; reporting vehicles to the insurance pool, posting salvage proceeds, and completing salvage transmittals.
• Confer with the District Claims Manager regarding complex claims or when potential exposure exceeds settlement authority
• Periodically review all open claims files assigned to adjuster, obtain any necessary information, and adjust reserve amounts as needed.
• Travel to county offices as needed. Travel as necessary with storm teams to assist with catastrophe losses as required.
• Confirm coverage for claims and set reserves amounts; follow up on necessary information; and record diaries for schedules review of files; issue payment & correspondence as needed
• Note:
  
  As a licensed Claims Adjuster, you may be required at the direction of the company to assist with and/or handle all lines of insurance claims within the assigned territory

To perform the job successfully, an individual should demonstrate the following competencies:

• Analyze complex or diverse information;
  Collects and researches data;
  Uses facts and experience to complement data
• Customer Service
  - Manages difficult or emotional customer situations;
  Responds promptly to customer needs;
  Responds to requests for service and assistance;
  Meets commitments
• Interpersonal Skills
  - Maintains confidentiality;
  Keeps emotions under control
• Oral Communication
  - Speaks clearly and persuasively in positive or negative situations;
  Listens and gets clarification;
  Responds well to questions;
  Demonstrates group presentation skills;
  Participates in meetings
• Written Communication
  - Writes clearly and informatively;
  Edits work for spelling and grammar;
  Varies writing style to meet needs;
  Presents numerical data effectively;
  Able to read and interpret written information
• Business Acumen
  - Understands business implications of decisions;
  Displays orientation to profitability
• Ethics
  - Treats people with respect;
  Keeps commitments;
  Inspires the trust of others;
  Works with integrity and ethically;
  Upholds organizational values
• Organizational Support
  - Follows policies and procedures;
  Supports organization's goals and values
• Judgement
  - Displays willingness to make decisions;
  Exhibits sound and accurate judgment;
  Supports and explains reasoning for decisions;
  Includes appropriate people in decision-making process;
  Makes timely decisions
• Planning/Organizing
  - Prioritizes and plans work activities;
  Uses time efficiently
• Professionalism
  - Approaches others in a tactful manner;
  Reacts well under pressure;
  Accepts responsibility for own actions
• Quality
  - Demonstrates accuracy and thoroughness;
  Looks for ways to improve and promote quality;
  Monitors own work to ensure quality
• Quantity
  - Meets productivity standards;
  Completes work in timely manner;
  Works quickly
• Safety and Security
  - Observes safety and security procedures
• Adaptability
  - Adapts to changes in the work environment;
  Able to deal with frequent change, delays, or unexpected events
• Attendance/Punctuality
  - Is consistently at work and on time;
  Ensures work responsibilities are covered when absent;
  Arrives at meetings and appointments on time
• Dependability
  - Follows instructions, responds to management direction;
  Commits to long hours of work when…