Senior Physical Damage Adjuster

This is a fully remote position, open to applicants in South Carolina.

📋 Description

• Conduct independent investigations, evaluations, negotiations, and resolutions of complex and high-severity commercial auto physical damage and motor truck cargo claims.

• Perform coverage, causation, and damage investigations utilizing telematics, dash-camera footage, photographs, GPS/ELD data, police reports, shipping documentation, and other relevant evidence.

• Analyze and assess intricate motor truck cargo losses along with associated documentation.

• Assess vehicle and equipment damages, repair estimates, appraisals, total-loss valuations, towing, storage, rental, downtime, cargo handling, cleanup, and mitigation costs.

• Oversee total-loss, cargo mitigation, salvage, title processing, lienholder interactions, and salvage disposition tasks.

• Maintain reserve amounts and negotiate complex settlements with all parties involved.

• Recognize opportunities for subrogation, salvage, contribution, indemnification, fraud, and SIU referrals.

• Create claim action plans and coordinate with appraisers, cargo surveyors, salvage vendors, towing services, repair shops, and experts.

• Act as a senior technical resource and mentor; support claim reviews, training, quality assurance, vendor management, and process enhancements.

• Manage a complex inventory of claims while ensuring proper documentation, regulatory compliance, service standards, productivity, cycle time, cost containment, reserve accuracy, recoveries, and customer satisfaction.

⛳️ Requirements

• At least 5 years of experience in auto physical damage claims; extensive background in commercial auto, trucking, heavy equipment, and/or motor truck cargo is preferred.

• A college degree or a combination of education and relevant claims experience is preferred.

• Possession of an active Adjuster’s License and the ability to obtain and maintain all required state licenses.

• In-depth knowledge of commercial auto physical damage and motor truck cargo coverage.

• Strong technical expertise in evaluating and repairing commercial vehicle damage.

• Advanced proficiency in motor truck cargo claims.

• Excellent skills in reserving, recovery, and investigations.

• Capability to identify and scrutinize complex or questionable claim activities.

• Experience in coordinating and managing external claims resources.

• Strong analytical, critical-thinking, problem-solving, negotiation, communication, organizational, and independent decision-making abilities.

• Proficient in Google Workspace, Adobe Acrobat, estimating software, and claims management technology.

• Experience with Snapsheet, CCC, Mitchell, or similar platforms is preferred.

• Must have legal authorization to work in the United States; HDVI does not sponsor employment visas.

🏝️ Benefits

• Competitive salary and an attractive bonus program.

• Unlimited PTO along with 11 paid holidays each year.

• Comprehensive Medical, Dental, Vision, Short/Long Term Disability, Basic Life, and AD&D insurance.

• FSA / HSA programs available.

• 401(k) retirement plan with company matching contributions.

• Inclusive Parental Leave policy.

• No standing meetings on Wednesdays.

• Birthday meal reimbursement provided.

• Remote-friendly work environment with occasional in-person team gatherings.