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About the Role

As an Outside Auto Appraiser, you will physically inspect damaged vehicles, estimate repair costs, work with repair facilities, and determine the actual cash value of total loss vehicles to ensure accurate and timely claim settlements. This customer-facing role requires technical expertise in vehicle damage assessment, strong customer service skills, and the ability to work independently. You will serve as a technical resource for auto claim staff, providing advice and direction on claim damages for optimal outcomes.

Responsibilities

Inspect and assess vehicle damage resulting from accidents, weather events, or other covered losses by conducting thorough virtual or on-site inspections at body shops or customer locations.
Perform estimate review work, conduct virtual inspections, and collaborate with repair facilities to ensure accuracy, consistency, and quality across claims.
Prepare accurate repair estimates using industry-standard estimating software to determine the cost of parts, labor, and materials required to restore vehicles to pre-loss condition.
Evaluate and settle vehicle total losses by determining actual cash value (ACV) through market research, comparable vehicle analysis, and application of appropriate valuation tools and methodologies.
Negotiate repair costs and settlements with body shops, customers, and third-party claimants to reach fair and timely resolutions while maintaining quality repair standards.
Identify and document pre-existing damage, prior repairs, and potential fraud indicators to ensure accurate claim evaluation and protect company interests.
Collaborate with claim representatives, body shops, and vendors to coordinate repairs, authorize supplements, and resolve coverage or repair-related issues.
Provide exceptional customer service by explaining the appraisal process, answering questions, assisting in moving claims towards timely resolution, and keeping vehicle owners informed throughout the claim lifecycle.
Adapt to new technology implementations, system upgrades, and digital tool rollouts, particularly in the areas of AI while maintaining productivity and service quality.
Perform other duties as assigned.

Requirements

Bachelor’s Degree.
Active adjuster license, where applicable.
Two years of auto physical damage appraisal experience.
Proficient in claims management and estimating software, with advanced skills in Microsoft Office and enterprise technology systems and platforms.
Strong verbal and written communication skills with the ability to convey information clearly and professionally.
Ability to exercise sound judgement and make effective decisions.
Exceptional customer service skills and commitment to providing a positive experience for customers throughout the claim process.
Strong attention to detail and organizational skills; ability to manage multiple tasks and prioritize effectively in a fast-paced environment.
Demonstrated conflict resolution skills; ability to facilitate productive discussions and reach equitable outcomes.
Ability to manage stress, navigate difficult situations, and maintain composure and professionalism under pressure while always taking accountability for decisions.
Basic understanding of insurance principles and terminology, state insurance regulations and claim handling requirements.
Ability to quickly learn from experience and apply it to new situations with speed and flexibility.
High School Diploma or GED required.
One year of auto physical damage appraisal or comparable claim related experience or successful completion of required Travelers Claim Representative training program.
Valid driver's license.

Skills

Vehicle damage assessment
Customer service
Independent work
Claims management software
Estimating software
Microsoft Office
Enterprise technology systems and platforms
Verbal communication
Written communication
Judgement
Decision making
Attention to detail
Organizational skills
Task management
Prioritization
Conflict resolution
Stress management
Insurance principles
Insurance terminology
State insurance regulations
Claim handling requirements
Learning agility
Adaptability to new technology
AI technology

Location

Remote

Work Type

Outside Appraiser
Mobile work
Work from primary residence

Experience Level

Two years of auto physical damage appraisal experience
One year of auto physical damage appraisal or comparable claim related experience

Education Level

Bachelor’s Degree
High School Diploma or GED

Salary/Compensations

$65,400.00 - $108,000.00

Benefits

Health Insurance for employees and eligible family members from the first day of employment.
401(k) matching contributions dollar-for-dollar up to the first 5% of eligible pay, subject to an annual maximum.
Paying it Forward Savings Program for employees with student loan debt, where Travelers contributes to 401(k) when student loan payments are made.
Pension Plan 100% funded by Travelers.
Minimum of 20 days Paid Time Off annually, plus nine paid company Holidays.
Wellness program with tools, discounts, and resources.
Mental health program providing access to free professional counseling services, health coaching, and other resources.
Volunteer Encouragement through a Matching Gift and Volunteer Rewards program.

About the Company

Taking care of our customers, our communities and each other. That’s the Travelers Promise.
Maintained a reputation as one of the best property casualty insurers in the industry for over 170 years.
Culture rooted in innovation and thrives on collaboration.

Equal Opportunity

Travelers is an equal opportunity employer.
We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences.
In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions.
If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you.
Travelers reserves the right to fill this position at a level above or below the level included in this posting.