MD Appraiser

Essential Functions

• Receives assignment from Claim Representatives electronically on all types of vehicles.
• Determines best course of action with regards to vehicle damage evaluation (i.e. Desk review, shop estimate/photo review).
• Using the documentation available, determines the extent of damage and whether the vehicle is repairable or not economical to repair.
• Verifies the damage to the vehicle is related to the loss facts given by the Claims Representative.
• Changes reserves, negotiates agreed repair costs with shops, determines total loss vehicle values and issues payment.
• Requests photos from owner or shop for in order to write an estimate/supplement or redline a shop estimate/supplement.
• Contacts customers and shops to setup appraisal appointments.
• Uploads all work product into the claim and the dispatch system.
• Documents all correspondence, discussions and decisions in the ACD or claim file.
• Works closely with Casualty and Auto Physical Damage personnel toward the successful adjustment of first and third party physical damage claims.
• Notifies the Total Loss Claim Representative of total loss vehicles and, when appropriate, moves the salvage to Copart or other storage free places.
• Provides guidance to other Claims personnel, assists in their training when asked. Occasionally gives technical direction and authority when requested by Team Manager.

Knowledge, Skills & Abilities

• Strong knowledge of vehicle construction, repair methods, and total loss valuation
• Able to interpret and analyze estimates, photos, and repair documentation
• Effective negotiation skills with repair facilities and vendors
• Strong decision-making and problem-solving skills with the ability to work independently
• Excellent written and verbal communication skills
• Strong organizational skills with the ability to manage multiple assignments and meet deadlines
• Proficiency in claims systems and standard office software
• Customer-focused mindset with the ability to handle difficult conversations professionally

Education & Experience Requirements

• High school diploma or equivalent required; Associate’s or Bachelor’s degree in business, automotive technology, or a related field preferred
• Minimum of 2–5 years of experience in auto damage appraisal, auto body repair, insurance claims, or a related field
• Prior experience handling moderate to severe vehicle damage and total loss evaluations strongly preferred
• Experience working with estimating platforms (e.g., CCC, Mitchell, or Audatex) preferred
• Knowledge of insurance claims handling processes and state-specific regulations preferred
• Texas Adjuster License required