Claims Representative-Total Loss

About the role

Investigate and settle total loss, loss-of-use, towing, and storage claims with speed and accuracy, negotiating fair outcomes and thoroughly documenting every step. This position will be staffed out of our Nashville, TN or Davenport, IA offices following the hybrid work model. This role is NOT available for remote work.

Responsibilities

• Evaluate claims of basic to moderate complexity requiring expertise in private passenger auto, commercial auto, tractor trailers, heavy equipment, watercrafts, trailers, motorcycles, and other land-based off-road or specialty vehicles.
• Review pertinent information including repair estimates, unrelated prior damage estimates, photos, vehicle conditioning, and actual value to make accurate repair/total loss decisions that adhere to state-specific thresholds.
• Conduct and review valuations through company-approved vendors and perform further research as necessary to determine appropriate cash value for various auto and specialist vehicles.
• Adhere to state-specific compliance including completion and submission of required forms, taxes, and fees.
• Negotiate basic to moderately complex settlements with claimants and/or attorneys that fall within prescribed authority limits.
• Explain procedures and denials to claimants where coverage does not exist.
• Refer payment or denial of claims that exceed assigned authorization limits to management with settlement recommendations.
• Document all decisions, correspondence, reports, and discussions that occur during the claim handling process.
• Coordinate rental vehicles for claimants as necessary and manage any claim expenses including, but not limited to, advance changes, salvage, rental, and outside vendor expenses, ensuring services are properly covered for claimants while controlling expenses.
• Obtain and maintain state adjuster and appraiser licensing as required.

Requirements

• Bachelor’s Degree or equivalent work experience.
• Hands-on experience with auto repair is preferred.
• Strong written and verbal communication skills strongly preferred.
• Solid knowledge and understanding of each phase of the claim handling process, or other equivalent knowledge highly beneficial.
• Demonstrated experience handling moderately complex claims, or other equivalent experience strongly preferred.

Benefits

• Hybrid Flexibility: Optional work from home on Mondays and Fridays; in-office Tuesday through Thursday for collaboration and learning. Technology and tools provided for both office and home workspaces.
• Dining on Us: Depending on location, a stipend for on-site cafeteria use or a meal allowance.
• Continuous Learning: Access to Sentry University and tuition reimbursement program.
• Comprehensive Benefits: Group medical, dental, and vision insurance; parental leave, pet insurance, caregiver leave, and wellness resources. Options for HSA, FSA, and Dependent Care FSA.
• Work-Life Balance: Generous Paid Time Off allowance and paid Volunteer Time Off.
• Investing in Your Future: 100% company match on the first 8% contributed to your 401(k) each pay period, with immediate vesting.
• Giving Back: Support for United Way and community initiatives through the Sentry Foundation.