Remote Auto Material Damage Claims Adjuster (Total Loss)

Midwest Family Mutual Ins. Co.; Des Moines (IA); On-site; USD 65,000 - 90,000; Full time

Job summary

Midwest Family Mutual Insurance Company is seeking an experienced Auto Material Damage Adjuster to handle non-injury automobile claims across multiple jurisdictions. You will investigate losses, determine coverage and liability, evaluate damage, set reserves, and resolve claims promptly and fairly while maintaining professional communication with policyholders and involved parties.

This work-from-home role requires strong negotiation, analytical, and organizational skills, the ability to manage

Qualifications

• 2+ years of auto total loss or material-damage claims experience.
• Experience handling claims in multiple states is highly desirable.
• A college degree is a plus.
• An AIC, CPCU, or other insurance-related designation is a plus.

Responsibilities

• Investigate personal and commercial automobile claims to determine coverage and liability.
• Obtain statements from policyholders, claimants, witnesses, and other involved parties.
• Review policy language, endorsements, applicable statutes, and state-specific claim-handling requirements.
• Evaluate automobile damage using repair estimates, photographs, valuation reports, and other supporting documentation.
• Handle total-loss claims, including vehicle valuation, settlement negotiations, title documentation, salvage coordination, and communication with lienholders.
• Establish and maintain accurate claim reserves.
• Negotiate and settle covered claims promptly, accurately, and fairly.
• Coordinate with policyholders, claimants, agents, repair facilities, appraisers, vendors, lienholders, and other involved parties.
• Maintain timely, professional communication through telephone calls, email, and written correspondence.
• Prepare thoughtful, accurate, and detailed claim-file documentation and reports.
• Manage a high-volume workload while meeting company standards and regulatory deadlines.
• Provide professional customer service and resolve conflicts effectively.
• Maintain all required state adjuster licenses and complete continuing education requirements.
• Adapt to changing laws, policy provisions, procedures, and technology.
• Comply with company policies, procedures, and internal controls.
• Perform other duties as assigned.

Skills

Auto claims

Negotiation

Communication

Analytical thinking

Time management

Claims system

Education

College degree

AIC/CPCU designation

Tools

Microsoft Word

Microsoft Excel

Job description

Midwest Family Mutual Insurance Company is seeking an experienced Auto Material Damage Adjuster to handle non-injury automobile claims across multiple jurisdictions. You will investigate losses, determine coverage and liability, evaluate damage, set reserves, and resolve claims promptly and fairly while maintaining professional communication with policyholders and involved parties.

This work-from-home role requires strong negotiation, analytical, and organizational skills, the ability to manage