Required Work Schedule: 11 a.m.–8 p.m. ET | 10 a.m.–7 p.m. CT | 9 a.m.–6 p.m. MT | 8 a.m.–5 p.m. PT

Candidates must be available to work the designated hours for their time zone.

At Horace Mann, we know that behind every claim is a customer looking for guidance and support during an unexpected event. We are seeking an experienced Auto Claims Adjuster II – to investigate, evaluate, negotiate, and resolve auto claims while delivering an exceptional customer experience.

In this role, you'll independently manage a diverse inventory of claims, applying your advanced claims knowledge to determine coverage, investigate liability, evaluate damages, and negotiate fair settlements. Experience handling Diminished Value claims is highly desirable, as this expertise will be particularly valuable to our Claims team.

The ideal candidate is a collaborative problem solver with strong technical claims knowledge, sound judgment, and the ability to manage complex claims while delivering timely, accurate, and compassionate service.

Key Responsibilities

Claims Investigation & Evaluation

• Verify coverage and investigate liability, damages, and the scope of loss for assigned auto claims.

• Evaluate claim facts, determine claim value, and negotiate settlements in accordance with company best claim practices.

• Investigate multi-vehicle accidents and other complex loss scenarios while making sound claims decisions.

• Evaluate and resolve property damage claims, including Diminished Value claims, in accordance with applicable state regulations and company guidelines.

• Apply state-specific laws, regulations, and company guidelines to ensure accurate claim handling.

Claims Resolution & Customer Service

• Independently manage an assigned inventory of claims while maintaining quality, productivity, and service standards.

• Provide proactive, transparent, and timely communication to customers, claimants, agents, repair facilities, and other involved parties.

• Deliver an extraordinary customer experience by demonstrating empathy, professionalism, and ownership throughout the claims process.

• Resolve customer concerns through effective negotiation and conflict resolution.

• Maintain ownership of assigned claims from initial investigation through resolution.

Collaboration & Operational Excellence

• Partner with internal departments and external business partners to facilitate timely claim resolution.

• Demonstrate leadership through knowledge sharing, collaboration, and sound decision-making.

• Maintain accurate claim documentation and ensure compliance with company policies and regulatory requirements.

• Continuously develop technical claims knowledge and stay current on industry trends, claims practices, and state regulations.

Qualifications & Experience

Required

• 2+ years of prior claims handling experience.

• Ability to independently manage an inventory of auto claims while making sound claims decisions.

• Strong understanding of insurance coverage, liability investigations, and claims handling practices.

• Ability to obtain and maintain all required state adjuster licenses.

• Excellent verbal and written communication skills.

• Strong organizational, analytical, and problem-solving abilities.

• Ability to consistently work the required schedule based on your time zone.

Preferred

• 5+ years of claims handling experience.

• Diminished Value claims experience is strongly preferred and a priority for this opening.

• Experience investigating complex property damage claims and multi-vehicle accidents.

• Demonstrated negotiation, conflict resolution, and independent decision-making skills.

• Experience managing claims from initial investigation through final settlement.

Skills & Competencies

• Auto property damage claims investigation and evaluation

• Diminished Value claims knowledge

• Liability analysis and settlement negotiation

• Customer-focused communication and relationship management

• Conflict resolution and sound decision-making

• Strong attention to detail and organizational skills

• Ability to work independently while collaborating effectively with others

• Commitment to delivering a seamless, high-quality claims experience

Additional Information

• Periodic travel may be required.

• Must obtain and maintain all required state adjuster licenses.

Pay Range:

• $57,500.00 - $79,100.00 annually + bonus

Salary is commensurate to experience, location, etc.