Claims Total Loss Adjuster - Theft and Fire

MS ACSC Management Services Inc; Coppell (TX); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Health coverage for medical, dental, &

401(K) saving plans with company match

Pension

Tuition assistance

Floating holidays & PTO

Paid parental leave

Wellness programs

Employee discounts

Job summary

Auto Club Enterprises is seeking an experienced claims professional to manage first‑party theft and fire claims from report to closure in a fast-paced environment in Texas. You will verify policy coverage, gather evidence, coordinate with law enforcement, SIU, lienholders, and repair facilities, and provide empathetic customer service throughout the claim lifecycle.

The role emphasizes accurate documentation, timely reserves, and adherence to jurisdictional requirements, with opportunities to

Qualifications

• Bachelors Equivalent combination of education and experience
• Preferred 4-6 years Claims Experience Required
• Moderate skills in using Microsoft Office products required. (Medium proficiency)
• Advanced skill in using general office equipment required. (Medium proficiency)
• Excellent verbal and written communication skills. (High proficiency)
• Strong attention to detail and investigative mindset. (High proficiency)
• Ability to prioritize and multi-task while maintaining a high level of detail and accuracy. (High proficiency)
• Ability to interpret policy language and apply coverage provisions accurately. (High proficiency)
• Customer service orientation with ability to de-escalate concerns. (High proficiency)
• Time management and prioritization skills to manage multiple claims simultaneously. (High proficiency)
• Basic understanding of vehicle valuation and disposition (or willingness to learn). (Medium proficiency)
• Insurance background preferred but not necessary. (Medium proficiency)
• Exposure to theft, fire, or property damage claim handling. (Medium proficiency)
• Familiarity with salvage, lienholder processes, and DMV title handling (helpful but not required) (Medium proficiency)
• Ability to pass state licensing requirements. (High proficiency)
• State adjuster license Preferred

Responsibilities

• Handle first-party theft and fire claims from initial report through closure by conducting detailed investigations, verifying coverage, and determining applicable policy limits, exclusions, endorsements, and provisions.
• Obtain, review, and analyze key evidence including police reports, theft affidavits, EUO materials, repair estimates, ownership documents, fire reports, investigator findings, and photos to assess loss circumstances and identify when SIU or fire specialists are required.
• Provide comprehensive customer service by communicating with insureds, law enforcement, SIU, lienholders, repair facilities, salvage yards, and vendors, offering clear updates, empathetic guidance, and support during stressful situations.
• Maintain complete, accurate, and compliant claim documentation by developing file summaries, recording action plans, ensuring proper reserving, and meeting all regulatory and company documentation standards.
• Support subrogation and claim accuracy by preserving evidence, coordinating inspections with repair shops and fire investigators, and ensuring correct application of jurisdictional requirements and timeframes.
• Manage cycle times and service expectations by applying sound judgment, resourcefulness, and investigative skill to deliver timely and accurate claim decisions in alignment with policy language and regulatory standards.
• Assist members with next steps such as rental guidance, recovery procedures, and documentation needs while maintaining a strong focus on customer experience throughout the claim lifecycle.
• Ensure compliance with licensing requirements and internal procedures while controlling expenses within assigned investigative responsibilities.

Skills

Microsoft Office

Verbal & written communication

Attention to detail

Investigative mindset

Prioritization & multitasking

Policy interpretation

Customer service orientation

Time management

Licensing requirements

Education

Bachelor's-equivalent education & experience

Tools

General office equipment

Job description

Job Duties

Handle first‑party theft and fire claims from initial report through closure by conducting detailed investigations, verifying coverage, and determining applicable policy limits, exclusions, endorsements, and provisions. Obtain, review, and analyze key evidence including police reports, theft affidavits, EUO materials, repair estimates, ownership documents, fire reports, investigator findings, and photos to assess loss circumstances and identify when SIU or fire specialists are required. Provide comprehensive customer service by communicating with insureds, law enforcement, SIU, lienholders, repair facilities, salvage yards, and vendors, offering clear updates, empathetic guidance, and support during stressful situations. Maintain complete, accurate, and compliant claim documentation by developing file summaries, recording action plans, ensuring proper reserving, and meeting all regulatory and company documentation standards. Support subrogation and claim accuracy by preserving evidence, coordinating inspections with repair shops and fire investigators, and ensuring correct application of jurisdictional requirements and timeframes. Manage cycle times and service expectations by applying sound judgment, resourcefulness, and investigative skill to deliver timely and accurate claim decisions in alignment with policy language and regulatory standards. Assist members with next steps such as rental guidance, recovery procedures, and documentation needs while maintaining a strong focus on customer experience throughout the claim lifecycle. Ensure compliance with licensing requirements and internal procedures while controlling expenses within assigned investigative responsibilities.

Qualifications

Bachelors Equivalent combination of education and experience

Preferred 4-6 years Claims Experience Required

Moderate skills in using Microsoft Office products required. (Medium proficiency)

Advanced skill in using general office equipment required. (Medium proficiency)

Excellent verbal and written communication skills. (High proficiency)

Strong attention to detail and investigative mindset. (High proficiency)

Ability to prioritize and multi-task while maintaining a high level of detail and accuracy. (High proficiency)

Ability to interpret policy language and apply coverage provisions accurately. (High proficiency)

Customer service orientation with ability to de‑escalate concerns. (High proficiency)

Time management and prioritization skills to manage multiple claims simultaneously. (High proficiency)

Basic understanding of vehicle valuation and disposition (or willingness to learn). (Medium proficiency)

Insurance background preferred but not necessary. (Medium proficiency)

Exposure to theft, fire, or property damage claim handling. (Medium proficiency)

Familiarity with salvage, lienholder processes, and DMV title handling (helpful but not required) (Medium proficiency)

Ability to pass state licensing requirements. (High proficiency)

State adjuster license Preferred

Remarkable benefits

• Health coverage for medical, dental, vision


• 401(K) saving plans with company match AND Pension


• Tuition assistance


• Floating holidays and PTO for community volunteer programs


• Paid parental leave


• Wellness programs


• Employee discounts (membership, insurance, travel, entertainment, services and more!)

Auto Club Enterprises is the largest club within the national AAA federation. We have nearly 17,000 employees in 24 states helping more than 18 million members. The strength of our organization is our employees. Bringing together and supporting different cultures, backgrounds, personalities, and strengths creates a team capable of delivering legendary, lifetime service to our members. When we embrace our diversity – we win. All of Us! With our national brand recognition, long-standing reputation since 1900, and constantly growing membership, we are seeking career-minded, service-driven professionals to join our team.

\"Through dedicated employees we proudly deliver legendary service and beneficial products that provide members peace of mind and value.\" AAA is the Equal Opportunity Employer Our organization participates in E-Verify For more than a century, AAA has been synonymous with trust, dependability, quality, and innovation. It's our mission to provide our growing membership with the legendary service we are famous for, and we welcome committed professionals ready to challenge themselves in a dynamic industry. AAA would not exist without the millions of members who give us their loyalty, or our employees whose mission it is to give those members world‑class service.

What else do we offer? Stability. Growth. Commitment to an exciting future for both you and our members.