Total Loss Adjuster

Kemper; McAllen (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Kemper is seeking a Total Loss Claims Adjuster to resolve assigned total loss claims, reviewing coverage, estimates and related charges to ensure timely, cost-effective resolutions. Responsibilities include handling owner retained, commercial auto, and exotic lines with appropriate licensing and adherence to regulatory guidelines.

The role requires strong communication, analytical skills, and the ability to coordinate with insureds, claimants, and service providers to reach fair settlements.

Qualifications

• High school diploma or equivalent required.
• Minimum one year of claim handling.
• Proficiency with Microsoft Office and web-based applications.
• Must obtain and maintain state licensing where applicable.
• Strong communication and customer service skills.
• Analytical ability to evaluate claims and settlements.

Responsibilities

• Complete required courses and licensing within stated timelines.
• Review loss notices to assess exposure and enter data accurately.
• Contact insureds and claimants the same day or within 24 hours.
• Communicate clearly with stakeholders and negotiate settlements.
• Adhere to state Fair Claims Practices Acts and related regulations.
• Handle all claims within authority level with timely, cost-effective resolutions.

Skills

Customer service

Analytical skills

Communication skills

Time management

Judgement & discretion

Education

High school diploma or equivalent

Tools

Microsoft Office

Web-based applications

Job description

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.