Total Loss Claims Examiner

Raphael & Associates is a globally recognized third-party claims administrator and independent claims adjusting firm, known for delivering exceptional service. We understand the importance of staying agile in a dynamic market and pride ourselves on tailoring our solutions to meet the unique needs of each client. While the work we do as a claims organization is complex, our mission is clear: to deliver outstanding service, attract and retain top-tier professionals, and leverage industry-leading technology to drive results.

Join Our Team

As a leader in the industry, we offer dynamic and rewarding career opportunities for individuals who are driven to make an impact. Our culture is built on collaboration, innovation, and a shared commitment to excellence. We value professionals who bring creativity, vision, and a proactive, result-oriented mindset.

We are seeking experienced, motivated, and forward-thinking individuals to join our team and contribute to our continued success.

The Opportunity

We are looking for a Total Loss Claims Examiner who will be responsible for negotiating and settling vehicular total loss claims. The Total Loss Claim Examiner evaluates and negotiates total loss settlements on a timely basis, documents files in accordance to best practices and coordinates salvage recoveries. You will work closely with other team members to ensure that we provide superior service and industry expertise.

We will consider remote candidates for this role.

Key Responsibilities

• Guide vehicle owners through the total loss claims process, providing clear communication and timely updates.

• Evaluate vehicle damage and determine actual cash value (ACV) and settlement amounts in accordance with policy terms and applicable state regulations.

• Negotiate total loss settlements to achieve timely claim resolution.

• Manage salvage valuations, coordinate vehicle transfers to salvage vendors, and oversee wreckage disposal to maximize recovery.

• Process vehicle title transfers and maintain accurate documentation in compliance with applicable state and federal requirements.

• Monitor and manage expenses associated with total loss claims.

• Identify potential third-party liability and opportunities for cost recovery.

• Maintain a claim diary and prioritize pending files to ensure timely follow-up and resolution.

Qualifications

• 3+ years of experience in 3rd party claims, specifically total loss, transportation.

• Strong verbal and written communication skills.

• Analytical, problem-solving and multi-tasking skills.

• Proficient is the usage of Microsoft Office, claims management software and vehicle valuation tools.

• Ability to effectively negotiate claim settlements while managing costs.

• Familiarity with state insurance regulations.

• Maintain detailed claim files and ensure all actions follow State Fair Claims Practices Acts and other regulatory standards.

• Develop in-depth understanding of insurance policies and industry regulations.

• Strong data analysis and report-writing skills for accurate, detailed documentation.

• Valid Adjusters Licensing - Multiple States Preferred

Benefits and Perks

We are an organization that values and recognizes the contributions of our team members. We offer competitive compensation and benefits package commensurate with experience, including base salary, performance-based incentives, paid time off, comprehensive medical, dental, vision, and life insurance, as well as a 401(k) plan with company matching.

Raphael & Associates is an Equal Opportunity Employer. We are committed to building an equitable, collaborative and diverse workforce throughout our organization by providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, veteran status, or any other legally protected characteristic. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, terminations, promoting, transferring, compensation, benefits, training, leave of absence, and other terms, conditions, and benefits of employment.

The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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