Physical Damage Appraiser II - Heavy Equipment

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.

**Position is eligible to work from home for candidates who reside in or near the Des Moines, IA metro**

As a Heavy Equipment Physical Damage Appraiser, you’ll use your technical expertise to evaluate damage, prepare and review repair estimates, and negotiate fair, cost-effective settlements. You’ll play an important role in helping customers get back on track by ensuring claims are handled accurately, efficiently, and with a positive experience. You’ll also serve as a trusted resource to the claims team, providing guidance on complex repairs, total losses, and heavy equipment damage.

Essential Functions:

Investigates and evaluates moderately complex heavy equipment/truck damage claims and losses

Reviews the loss notice and policy to verify coverage, deductibles, loss payee/mortgagees and confirms that the loss occurred within the coverage period

Evaluates repair shop and independent appraiser estimates to determine accuracy

Evaluates photos to determine if damages are consistent with loss or prior unrelated damages

Evaluates vehicle values and repair costs to establish repair ability versus total loss

Performs field inspections and prepares physical damage estimates

Resolves questions of coverage, liability and the value of claims

Negotiates, settles and/or resolves moderately complex claims and losses

Sets adequate reserves to cover exposure

Prepares damage estimates using electronic estimating software or by calculating manually

Negotiates claim settlement with insureds, claimants and attorneys

Negotiates agreed repair price with repair facility

Issues payments within check authority

Responds to questions from the insureds, claimants and agents

Education & Experience:

High school diploma or equivalency

Five years of experience with truck/heavy equipment collision/mechanical repair, truck/heavy equipment claims, or truck/heavy equipment sales, or related experience

Multiple state insurance adjuster and appraiser licenses required within 6 months of hire

Knowledge, Skills & Abilities:

Strong technical knowledge of heavy equipment/truck collision repair techniques and standards

Good knowledge of engine, mechanical, & hydraulics repair techniques and standards

Knowledge of electronic estimating software

Strong interpersonal and communication skills, conflict resolution, and negotiation abilities

Knowledge of personal computers

Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

$60,813 - $84,038 or $67,200 - $92,395 A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.

For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers .

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

All of our locations are tobacco free including in company vehicles.