Physical Damage Appraiser II – Heavy Equipment

EMC Insurance Companies

. Investigate and evaluate moderately complex heavy equipment/truck damage claims and losses .

Posted 9/24/2026full-timeRemote • Iowa • United StatesMid-LevelSenior💰 $60,813 - $92,395 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in evaluating and settling heavy equipment and truck damage claims, utilizing strong technical knowledge of collision repair techniques and electronic estimating software. Capable of effective negotiation and conflict resolution while providing guidance to claims teams on complex repairs and total losses.

Highest-signal resume keywords

Heavy Equipment/Truck Collision RepairElectronic Estimating SoftwareInsurance Adjuster LicenseNegotiation and Settlement SkillsConflict Resolution

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Damage EvaluationRepair Cost EstimationField InspectionsLoss Coverage VerificationTechnical Knowledge of HydraulicsMechanical Repair TechniquesTotal Loss AssessmentClaims ValuationClaims ManagementReserve Setting

Soft Skills

Interpersonal SkillsCommunication SkillsNegotiation Abilities

Tools & Technologies

Electronic Estimating SoftwarePersonal Computers

Certifications & Qualifications

Multiple State Insurance Adjuster LicenseAppraiser License

Industry Keywords

Heavy Equipment ClaimsTruck Damage ClaimsCollision Repair StandardsMechanical Repair Standards

About the role

Key responsibilities & impact

Investigate and evaluate moderately complex heavy equipment/truck damage claims and losses
Review loss notices and policies to verify coverage, deductibles, loss payees/mortgagees, and coverage periods
Evaluate repair shop and independent appraiser estimates for accuracy
Evaluate photos for damage consistency and prior unrelated damage
Evaluate vehicle values and repair costs to determine repairability versus total loss
Perform field inspections and prepare physical damage estimates
Resolve coverage, liability, and claim valuation questions
Negotiate, settle, and resolve moderately complex claims and losses
Set adequate reserves to cover exposure
Prepare damage estimates using electronic estimating software or manual calculations
Negotiate claim settlements with insureds, claimants, and attorneys
Negotiate agreed repair prices with repair facilities
Issue payments within check authority
Respond to questions from insureds, claimants, and agents
Provide guidance to the claims team on complex repairs, total losses, and heavy equipment damage

Requirements

What you’ll need

High school diploma or equivalency
Five years of experience with truck/heavy equipment collision/mechanical repair, truck/heavy equipment claims, truck/heavy equipment sales, or related experience
Multiple state insurance adjuster and appraiser licenses required within 6 months of hire
Strong technical knowledge of heavy equipment/truck collision repair techniques and standards
Knowledge of engine, mechanical, and 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
Valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

Benefits

Comp & perks

Comprehensive rewards package; benefits details provided at www.emcins.com/careers
Work-from-home eligibility for candidates residing in or near the Des Moines, IA metro
Tobacco-free workplaces and company vehicles