Summary
Under the direction of the Claims Manager, the Physical Damage Appraiser (Desk) is responsible for reviewing, evaluating, and resolving personal and commercial auto physical damage claims of low to moderate complexity. This position performs desk‑based damage evaluations using photos, estimates, and documentation submitted by vendors and repair facilities. The appraiser ensures fair, accurate, and timely claim resolution through proper estimating practices, repair methodology review, and strong file documentation. This role does not involve field inspections, bodily injury, or medical‑related claims.
Essential Functions
Review and evaluate auto physical damage estimates and supporting documentation for personal and commercial auto claims.
Analyze photos, repair estimates, supplements, and related documentation to determine scope of damages and appropriate repair methods.
Prepare, revise, and approve estimates using approved estimating software and company guidelines.
Evaluate supplement requests from repair facilities for accuracy, necessity, and compliance with repair standards.
Identify repair versus total loss indicators and refer total loss recommendations as appropriate.
Apply depreciation, betterment, and repair methodology decisions in accordance with company standards.
Identify potential salvage, subrogation, or recovery opportunities and refer to the handling adjuster when applicable.
Maintain detailed, accurate, and timely claim file documentation supporting all estimate and settlement decisions.
Communicate professionally with adjusters, repair facilities, vendors, and internal stakeholders to resolve estimate‑related issues.
Ensure compliance with state regulations, company procedures, and fair claims handling requirements.
Job Requirements, Knowledge, Skills And Abilities
High school diploma or equivalent required; Bachelor’s degree or technical training preferred.
Minimum of two (2) years of experience handling auto physical damage claims, auto estimating, or collision repair‑related work.
Strong understanding of personal and commercial auto physical damage coverages and repair methodologies.
Proficiency with auto estimating software and claims management systems.
Ability to analyze estimates, photos, and documentation to accurately assess damages without physical inspections.
Excellent verbal and written communication skills, including negotiation and conflict resolution.
Strong organizational skills with the ability to manage multiple files in a fast‑paced desk environment.
Proficiency with Microsoft Office and claims management systems.
Must be available to work during disaster or catastrophe situations (including nights/weekends) as required.
Holds a Georgia Adjuster’s License or must acquire license within required timeframe.
Familiarity with OEM repair procedures and industry estimating standards is desired.
Understanding of total loss evaluation, salvage, and recovery processes is desired.
Knowledge of subrogation practices related to auto physical damage claims is desired.
Compensation
Commensurate with experience
Performance‑based incentives
Benefits Package
401(k) company match up to 6% eligible upon hire
Medical, dental & vision, including company paid Life insurance and long‑term disability
Health care flexible spending accounts
Paid time off
Parental & family leave; military leave & pay
Employee Referral Incentive
Career Development & Continuing Education Assistance
Physical Conditions/Requirements The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.
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Essential Functions
Review and evaluate auto physical damage estimates and supporting documentation for personal and commercial auto claims.
Analyze photos, repair estimates, supplements, and related documentation to determine scope of damages and appropriate repair methods.
Prepare, revise, and approve estimates using approved estimating software and company guidelines.
Evaluate supplement requests from repair facilities for accuracy, necessity, and compliance with repair standards.
Identify repair versus total loss indicators and refer total loss recommendations as appropriate.
Apply depreciation, betterment, and repair methodology decisions in accordance with company standards.
Identify potential salvage, subrogation, or recovery opportunities and refer to the handling adjuster when applicable.
Maintain detailed, accurate, and timely claim file documentation supporting all estimate and settlement decisions.
Communicate professionally with adjusters, repair facilities, vendors, and internal stakeholders to resolve estimate‑related issues.
Ensure compliance with state regulations, company procedures, and fair claims handling requirements.
Job Requirements, Knowledge, Skills And Abilities
High school diploma or equivalent required; Bachelor’s degree or technical training preferred.
Minimum of two (2) years of experience handling auto physical damage claims, auto estimating, or collision repair‑related work.
Strong understanding of personal and commercial auto physical damage coverages and repair methodologies.
Proficiency with auto estimating software and claims management systems.
Ability to analyze estimates, photos, and documentation to accurately assess damages without physical inspections.
Excellent verbal and written communication skills, including negotiation and conflict resolution.
Strong organizational skills with the ability to manage multiple files in a fast‑paced desk environment.
Proficiency with Microsoft Office and claims management systems.
Must be available to work during disaster or catastrophe situations (including nights/weekends) as required.
Holds a Georgia Adjuster’s License or must acquire license within required timeframe.
Familiarity with OEM repair procedures and industry estimating standards is desired.
Understanding of total loss evaluation, salvage, and recovery processes is desired.
Knowledge of subrogation practices related to auto physical damage claims is desired.
Compensation
Commensurate with experience
Performance‑based incentives
Benefits Package
401(k) company match up to 6% eligible upon hire
Medical, dental & vision, including company paid Life insurance and long‑term disability
Health care flexible spending accounts
Paid time off
Parental & family leave; military leave & pay
Employee Referral Incentive
Career Development & Continuing Education Assistance
Physical Conditions/Requirements The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.
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