Auto Physical Damage Claims Adjuster

Bridging the gap between the old way of handling insurance to a new way! We are a growing, technology-forward Managing General Agency (MGA) and insurance claims organization focused on delivering a better way to handle insurance claims.

Our business primarily supports non-standard auto insurance programs in California, Texas, and Arizona
, with a strong emphasis on responsive claims service, disciplined claim handling, technology, efficiency, and treating customers fairly.

We are building a modern claims organization designed to move faster than traditional insurance companies while maintaining the professionalism, technical discipline, regulatory awareness, and customer focus expected from an experienced insurance operation. We are creating and advancing our AI platforms in all aspects of the business

As we grow, we are looking for talented claims professionals who want to be part of building something—not simply maintaining the status quo.

We are seeking an experienced and motivated Inside Property Damage Adjuster to join our Claims team.

This position is responsible for managing property damage claims from initial assignment through resolution. The successful candidate will be comfortable working in a high-volume, technology-enabled claims environment and will be able to independently investigate claims, evaluate damages, assess coverage, communicate with customers and third parties, coordinate vendors and field resources, and negotiate fair claim settlements.

This is an inside/desk adjusting position
, but it requires strong claims judgment and ownership. You will use photographs, videos, estimates, statements, documentation, inspection reports, repair information, and other available evidence to evaluate claims and make well-supported decisions.

The ideal candidate combines strong technical claims knowledge with excellent customer service and communication skills
.

• Handle assigned property damage claims from FNOL through resolution.
• Review loss information, policy provisions, photographs, estimates, reports, statements, and supporting documentation.
• Conduct timely and thorough coverage and liability investigations as applicable.
• Determine the nature and extent of damages using available digital documentation, photographs, video, estimates, inspections, and other evidence.
• Identify potential coverage issues, exclusions, limitations, misrepresentation, fraud indicators, or other concerns and elevate appropriately.
• Establish appropriate claim reserves and update reserves as claim circumstances change.
• Maintain accurate and complete claim files and activity notes.
• Develop appropriate claim action plans and follow through on outstanding items.
• Evaluate estimates and invoices for accuracy, reasonableness, scope, pricing, and consistency with the documented damage.
• Communicate claim decisions clearly and professionally.
• Serve as a knowledgeable and empathetic point of contact throughout the claim process.
• Explain coverage, claim decisions, next steps, documentation requirements, and settlement information in language customers can understand.
• Set realistic expectations regarding claim timelines and resolution.
• Respond promptly to customer, claimant, agent, attorney, vendor, and internal inquiries.
• De-escalate difficult conversations while maintaining appropriate claim-handling standards.
• Deliver a claims experience that reflects our commitment to being responsive, fair, and easy to work with.
• Review repair estimates and supporting documentation.
• Work with independent adjusters, field inspectors, repair facilities, contractors, appraisal resources, and other vendors when necessary.
• Coordinate inspections or field assignments when a claim cannot be appropriately evaluated through desk adjusting alone.
• Review supplemental requests and determine whether additional payment is supported by the facts, policy, and applicable guidelines.
• Identify discrepancies between reported damage, inspection findings, estimates, photographs, and other claim documentation.
• Maintain productive relationships with vendor partners while maintaining appropriate claims controls.

• Handle claims in accordance with applicable policy language, company procedures, regulatory requirements, and established claims-handling standards.
• Maintain compliance with applicable state requirements in California, Texas, and Arizona
  , as well as other jurisdictions assigned to the role.
• Maintain appropriate claim documentation to support…