Claims - Auto Field Appraiser

Hanover Insurance Group, Inc.; Worcester (MA); On-site; USD 60,000 - 90,000; Full time

Job summary

The Hanover Insurance Group in Worcester, MA is seeking an Auto Field Appraiser to handle physical and virtual inspections, write repair estimates, and negotiate costs for auto claims. This full-time, on-site role requires 3–5 years of appraisal experience within insurance, plus a valid appraisal license and clean MVR.

Ideal candidates will work independently, adapt to changing priorities, and use CCC One and Microsoft Office to document appraisals and determine values for total loss vehicles.

Qualifications

• 3–5 years of related appraisal experience, preferably with an insurance carrier.
• A valid State driver's license, clear MVR, and Appraisal License.
• With minimal oversight, performs work independently within specified limits and authority.
• Willingness to adapt to new or changing requirements or priorities.
• Must be flexible with respect to work scheduling issues due to business needs.
• Ability to negotiate skillfully and resolve conflicts.
• Familiarity with CCC One or another auto estimating system; Windows, Excel and Word proficiency.

Responsibilities

• Perform physical and virtual inspections of vehicle damage as part of claims processing.
• Prepare written repair cost estimates following guidelines and regulations.
• Negotiate cost-effective repair figures according to guidelines and state regulations.
• Conduct timely supplemental inspections for additional damage discovered during repairs.
• Identify fraud indicators and apply knowledge of basic policy coverage.
• Complete field appraisals in the automated appraisal system at inspection or review.
• Determine actual cash values for total loss vehicles.

Skills

Vehicle inspections

Negotiation

Independent work

CCC One

MS Excel

MS Word

Education

Appraisal License

Tools

CCC One

Windows

Excel

Word

Job description

Posted Tuesday, August 4, 2026 at 4:00 AM

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture.

Our Claims team is currently seeking an experienced Auto Field Appraiser to join the team.

This is a full time, non-exempt role.

POSITION OVERVIEW

The position is responsible for all aspects of the appraisal process for damage included but not limited to automobiles, trucks, motor homes, travel trailers, motorcycles and snowmobiles. Responsibilities include physical inspection of vehicle damage, written documentation of damage, appraisal of repair costs, negotiation of cost-effective repair alternatives according to Company guidelines, entry of appraisal into Company system, and timely completion of assignments. Company vehicle provided.

IN THIS ROLE, YOU WILL

• Perform physical and virtual inspections of vehicle damage as part of claim adjusting process; may handle inspections associated with highly complex claims with minimal oversight.
• Prepare written repair cost estimates, applying Company guidelines and State regulations and exercising independent judgment when warranted.
• Negotiate cost-effective repair figures according to Company guidelines and State regulations.
• Perform timely supplemental inspections of additional damage discovered during course of repair.
• Demonstrate awareness of and identifies fraud indicators.
• Apply knowledge of basic policy coverage.
• Be responsible for completing field appraisals on an automated appraisal system at the time of inspection or estimate review.
• Be responsible for determination of actual cash values for total loss vehicles.

WHAT YOU NEED TO APPLY

• 3-5 years of related appraisal experience, preferably with an insurance carrier.
• A valid State driver's license, clear MVR, and Appraisal License.
• With minimal oversight, performs work independently within specified limits and authority.
• Shows a willingness to adapt to new or different changing situations, requirements or priorities.
• Must be flexible with respect to work scheduling issues or changes that may arise unexpectedly due business needs or demands.
• Ability to negotiate skillfully in difficult situations with both internal and external groups.
• Strong negotiation skills and the ability to deal with conflict and resolve issues promptly and fairly is key.
• Familiarity with CCC One or another auto estimating system required along with Windows proficiency, Excel and Word.

This job posting provides cursory examples of some of the job duties associated with this position. The examples provided are not complete, and the position may entail other essential and job-related functions and responsibilities that employees will be required to perform.

CAREER DEVELOPMENT

It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.

BENEFITS

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed.

Benefits include:

• Medical, dental, vision, life, and disability insurance
• 401K with a company match
• PTO
• Cultural Awareness Day in support of IDE
• On-site medical/wellness center (Worcester only)

The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law.

Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.

As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: [e-mail] and include the link of the job posting in which you are interested.

Compensation

The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.