Auto Claims Adjuster II - Total Loss

Stepping into the unexpected moment of a total loss can feel overwhelming for anyone. At Horace Mann, we believe those challenging times call for exceptional guidance and genuine empathy. We're searching for an experienced Auto Claims Adjuster II to join our team, specifically focused on total loss claims. In this fully remote role, open to candidates across the globe, you'll become a vital guide for our policyholders, navigating them through a complex process with expertise, compassion, and truly outstanding service. This isn't just a job; it's an opportunity to provide clarity and comfort when it matters most.

Overview

As an Auto Claims Adjuster II specializing in total loss, you will independently manage a dedicated portfolio of claims. Your daily work involves applying advanced claims knowledge to meticulously investigate coverage and liability, accurately evaluate vehicle values, skillfully negotiate settlements, and ultimately deliver timely, fair claim resolutions. We need a professional who excels at communication, loves solving problems, and thrives in a dynamic environment, all while ensuring our customers receive a seamless, stress-free claims experience from anywhere in the world.

Key Responsibilities

Claims Investigation & Evaluation: You will meticulously verify coverage and investigate liability, damages, and all circumstances surrounding assigned total loss claims.
Complex Claim Management: This includes delving into intricate losses, such as multi-vehicle accidents, and developing strategic handling plans.
Accurate Valuation & Settlement: You'll evaluate claims to determine precise settlement values, always adhering strictly to company best practices and relevant regulatory requirements.
Compliance Expertise: Applying state-specific regulations and company guidelines is crucial for ensuring accuracy and fairness in every resolution.
Negotiation & Resolution: Skillfully negotiate with policyholders and other parties, working towards equitable and timely claim resolutions.
Customer Communication: Proactively communicate claim status, explain complex decisions clearly, and provide empathetic support throughout the entire process.

Requirements

Proven experience, typically 3+ years, as an Auto Claims Adjuster with a significant focus on total loss claims.
Comprehensive understanding of auto physical damage, coverage analysis, and liability principles.
Demonstrated ability to investigate complex claims and apply sound decision-making.
Exceptional negotiation, communication, and interpersonal skills.
Proficiency with claims management software and vehicle valuation tools.
A strong commitment to delivering outstanding customer service and empathy.
Ability to work autonomously, manage a diverse caseload effectively, and prioritize tasks efficiently.
Appropriate adjuster licensing in relevant jurisdictions, or the ability to obtain it.

What You'll Gain

Meaningful Impact: You will make a tangible difference in the lives of our policyholders during challenging times.
Professional Growth: Access to continuous learning opportunities within a dynamic and evolving industry.
Flexible Work Environment: Enjoy the freedom and convenience of a fully remote role, collaborating with a global team.
Career Stability: Join a well-established and respected company known for its commitment to employees and customers.
Competitive Compensation: A comprehensive compensation package recognizing your expertise and contributions.