Associate Claims Specialist, Physical Damage

About the Role

Location: Bloomington, IN or Knoxville, TN

Role Type: Hybrid (3 Days in office, 2 days remote)

As a Claims Specialist, you will investigate, evaluate, negotiate, and resolve physical damage claims while delivering outstanding service to our insureds. This role requires strong analytical, communication, and negotiation skills to ensure fair claim resolution, compliance with industry standards, and a positive customer experience.

Key Responsibilities

• Investigate and adjust physical damage claims.
• Review policy coverage and determine liability.
• Guide customers through the claims process, including towing, cargo transfers, and repair coordination.
• Gather and evaluate estimates, damage documentation, and other claim-related information.
• Establish claim reserves and maintain accurate file documentation.
• Work with independent adjusters, repair facilities, attorneys, and other stakeholders to resolve claims efficiently.
• Negotiate settlements, issue payments, and identify subrogation and salvage opportunities.
• Participate in an after-hours on-call rotation for emergency physical damage and cargo losses.
• Perform other duties and projects as assigned.

Requirements & Tech Stack

• Strong investigative and analytical skills; enjoy solving complex problems.
• Clear and professional communication with customers, vendors, attorneys, and internal partners.
• Ability to confidently negotiate and make sound decisions in a fast-paced environment.
• Highly organized and able to manage multiple claims and competing priorities.
• Attention to detail and ability to maintain thorough, accurate claim documentation.
• Customer-focused and committed to delivering fair, timely claim resolutions.
• Ability to work well independently while collaborating effectively with team members and business partners.
• Ability to remain calm and adaptable when handling urgent or sensitive claim situations.

Qualifications

• Bachelor's degree or equivalent combination of education and related experience.
• Strong communication, negotiation, and customer service skills.
• Ability to analyze facts, evaluate damages, and make sound claim decisions.
• Ability to participate in an evening and weekend on-call rotation.

Preferred Qualifications

• Experience handling physical damage, cargo, auto, transportation, or commercial claims.
• Knowledge of insurance policy coverage and claims handling practices.
• Industry designations such as AIC, CPCU, or similar certifications.