Material Damage Specialist

Aspire General Insurance; Rancho Cucamonga (CA); Remote; USD 70,000 - 95,000; Full time

Job summary

Aspire General Insurance is seeking an experienced Material Damage Specialist to assess auto damage, estimate repairs, and negotiate settlements. The role involves reviewing photos, coordinating with repair facilities, and ensuring timely, fair resolutions while complying with state regulations.

Remote work available for candidates residing in AL, AZ, CA, FL, GA, HI, IN, KS, LA, MI, MO, MS, NV, NJ, NY, NC, OK, OH, PA, TN, TX, or WI.

Qualifications

• 5+ years in Property & Casualty insurance required.
• 5+ years handling auto damage estimates, repairs, and total loss evaluations preferred.
• Strong knowledge of repair processes, estimating practices, and valuation methodologies.
• Experience negotiating with repair facilities and resolving claim issues.
• Excellent analytical, organizational, and communication skills.

Responsibilities

• Inspect and evaluate auto damage and determine ACV and settlement values.
• Prepare detailed repair estimates using standard estimating software.
• Negotiate repair costs and settlements with facilities and other parties.
• Review photos, documentation, and repair plans to support decisions.
• Maintain clear communication with customers and document activity in systems.
• Ensure compliance with policies, regulations, and DoI requirements.

Skills

Property & Casualty insurance

Auto damage estimates

Negotiation

Communication

Independent work

Education

College degree

Job description

Location: Remote - Must reside in one of the following states: AL, AZ, CA, FL, GA, HI, IN, KS, LA, MI, MO, MS, NV, NJ, NY, NC, OK, OH, PA, TN, TX, or WI

Drive Your Career Forward with Aspire

At Aspire General Insurance, we're on a mission to provide affordable specialty auto insurance while delivering exceptional service to our customers. Guided by our ABLE values - Always do the right thing, Be yourself, Learn and evolve, and Execute - we are committed to creating an environment where our employees can thrive and make a meaningful impact.

We're seeking an experienced Material Damage Specialist who is passionate about delivering excellent customer service, accurately evaluating vehicle damages, and driving fair and timely claim resolutions.

What You'll Do

As a Material Damage Specialist, you'll play a critical role in the claims process by investigating, evaluating, negotiating, and settling vehicle damage claims. You'll work directly with customers, repair facilities, and internal partners to ensure quality outcomes and exceptional service.

Key Responsibilities

• Inspect and evaluate vehicle damage through virtual and/or field-based assessments.
• Prepare detailed repair estimates using industry-standard estimating software.
• Negotiate repair costs and reach agreed-upon settlements with repair facilities and other involved parties.
• Research and evaluate vehicle values to determine Actual Cash Value (ACV) and total loss settlements.
• Review photographs, documentation, and repair plans to support claim decisions.
• Authorize supplements and conduct re-inspections when necessary.
• Maintain clear and professional communication with customers throughout the repair process.
• Document claim activity thoroughly and accurately within company systems.
• Ensure compliance with company policies, state regulations, and Department of Insurance requirements.
• Build and maintain strong relationships with repair facilities, vendors, customers, and internal stakeholders.
• Assist with onboarding and mentoring new team members as needed.

Required Qualifications

• 5+ years of experience in the Property & Casualty insurance industry.
• 5+ years of experience handling auto damage estimates, vehicle repairs, and total loss evaluations.
• Strong knowledge of vehicle repair processes, estimating practices, and valuation methodologies.
• Experience negotiating with repair facilities and resolving claim-related issues.
• Excellent analytical, organizational, and decision-making skills.
• Strong written and verbal communication skills.
• Ability to work independently in a fast-paced environment while maintaining quality and accuracy.
• Ability to pass a background check and obtain/maintain any required Adjuster Licenses.

Preferred Qualifications

• College degree preferred.
• Prior experience handling complex vehicle damage claims and total loss settlements.
• Experience training, mentoring, or assisting less experienced team members.
• Knowledge of specialty and non-standard auto insurance environments.

Aspire is an Equal Opportunity Employer committed to creating an inclusive workplace where all employees and applicants are treated with dignity and respect. All qualified applicants will receive consideration for employment without regard to any characteristic protected by applicable federal, state, or local law.

Aspire provides reasonable accommodations to qualified individuals with disabilities and for sincerely held religious beliefs and practices. Applicants requiring accommodation during any stage of the recruitment or hiring process should inform us right away.

Aspire complies with all applicable fair chance, ban-the-box, and criminal history consideration laws. Qualified applicants with criminal histories will be considered in a manner consistent with applicable law and the requirements of the position.

The pay range provided for this position represents the Company's good-faith estimate of the compensation for this role at the time of posting. Compensation for this position will be determined based on job-related qualifications, experience, education, skills, geographic location, and business needs. Aspire reserves the right to modify compensation and benefits programs as permitted by law.