Total Loss Adjuster

Kemper; Florida; On-site; USD 65,000 - 90,000; Full time

Job summary

Kemper is seeking a Total Loss Claims Adjuster to resolve complex Total Loss cases across multiple states including Texas, Florida, Alabama, and Illinois. You will review coverage, estimates and charges to confirm Total Loss evaluations and manage rental/loss-of-use expenses.

Responsibilities include contacting insureds promptly, applying Fair Claims Practices, and coordinating with attorneys, body shops and lienholders.

Qualifications

• High school diploma or equivalent required.
• Minimum of one year of claim handling experience.
• Proficiency with Microsoft Office and web-based tools.
• Must obtain and maintain state licensing where applicable.
• Initiative, sound judgement and discretion.
• Strong time management to meet deadlines on claims.
• Excellent analytical skills to evaluate damages and settlements.
• Effective verbal and written communication with stakeholders.

Responsibilities

• Successfully completes courses and licensing requirements as needed for state regulations.
• Reviews loss notices to determine exposure and records exposures in the loss system.
• Contacts insureds and claimants within 24 hours of loss assignment.
• Communicates decisions and settlement information clearly and empathetically to insureds, claimants, attorneys and service providers.
• Handles all claims within state regulations, including knowledge of Total Loss, Salvage and Title laws across states.

Skills

Total Loss

Claims handling

Communication

Time management

Analytical skills

Customer service

Education

High school diploma

Tools

Microsoft Office

Web-based applications

Job description

McAllen, Texas

Lake Mary, Florida

Dallas, Texas

Doral, Florida

Birmingham, Alabama

Downers Grove IL

Full time

R-26-0038700

Location(s)

Birmingham, Alabama, Dallas, Texas, Doral, Florida, Lake Mary, Florida, McAllen, Texas, P&C-Butterfield Road-Downers Grove-IL-AAC

Details

Kemper is one of the nation’s leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper’s products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises.

Position Summary:

Responsible for resolution of all activities on assigned claims identified as potential Total Losses. Review claim details, coverage limits, the estimate and all associated charges to confirm Total Loss Evaluation. Controls associated claims for Rental/Loss of Use as well as any other expenses associated with the assigned feature. Concludes all assigned claims in a timely and cost-effective manner based on company guidelines. Works within established authority level commensurate with experience. Assignments will include owner retained claims, classic and exotic lines, Commercial Auto (including heavy equipment) and fixed property. Assignments will also include claims that have a potential of excess of policy limits and liability features with Comparative Negligence applied to them.

Position Responsibilities:

• Successfully completes courses, classes and programs needed for the further development in the areas of coverage, laws, investigation and industry trends related to the field of Claims/Total Loss Adjusting. A passing average must be maintained on all selected/required courses. Required course work must be completed within a specific time frame. State Licensing must be secured within guidelines for specific states. Formal Performance Evaluations must result in Meets Expectation" or higher rating. An acceptable level of competencies pertaining to the position must be maintained.

• Reviews loss notices to determine the exposure and assures that those exposures have been properly established via the loss system. Exposures are to be recognized and entered within company guidelines for Best Practices.

• Ensures that contacts are made with insureds and claimants on the same day, or within 24 hours, that loss assignment is received.

• Communications and Customer Service: Exhibit effective verbal and written communication; deliver clear, timely messages that are easily understood. Demonstrate an awareness of different communication styles and express appropriate levels of empathy and sensitivity in communications. Anticipate customer needs, communicate decisions, define expectations and fulfill commitments to involved parties. Develop and implement negotiation strategies when communicating settlement related information to insureds, claimants, attorneys, body shop personnel, lien holders, tow companies and other parties.

• Handles all claims within the guidelines of the States’ Fair Claims Practices Acts and other Regulations. Will act as specialist in knowledge of Total Loss, Salvage and Title laws of the various states to facilitate legal transfer of title and claim resolution.

Position Qualifications:

A high school diploma or equivalent is required.

A minimum of one year of claim handling.

Proficiency in basic computer skills including Microsoft Suite products and web-based applications.

Must obtain and maintain state required licensing, where applicable.

Initiative, sound judgement, and discretion.

Time management skills ensuring deadlines are met for claim resolution.

Strong analytical skills to evaluate claim information, assess damages, and make informed decisions regarding liability and settlement amounts.

Effective communication skills, both verbal and written, to interact with various stakeholders.

Excellent customer service skills

Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination.

Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee.

Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

Kemper at a Glance

The Kemper family of companies is one of the nation’s leading specialized insurers. With approximately $12 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses through its Kemper Auto and Kemper Life brands. Kemper serves over 4.4 million policies, is represented by approximately 24,100 agents and brokers, and has approximately 7,000 associates dedicated to meeting the ever-changing needs of its customers.

*Alliance United Insurance Company is not rated.

*We value diversity and strive to be an employer of choice. An Equal Opportunity Employer, M/F/D/V

Eligible employees may enjoy benefits such as:

Qualify for your choice of health and dental plans within your first month.

Save for your future with robust 401(k) match, Health Spending Accounts and various retirement plans.

Learn and Grow with our Tuition Assistance Program, paid certifications and continuing education programs.

Contribute to your community through United Way and volunteer programs.

Balance your life with generous paid time off and business casual dress.

Get employee discounts for shopping, dining and travel through Kemper Perks.

Benefits eligibility may vary based on position classification, scheduled hours, work location, temporary or contingent status, independent contractor status, SkillBridge participation, and applicable plan terms.