Senior Physical Damage Adjuster

High Definition Vehicle Insurance (HDVI)

. Independently investigate, evaluate, negotiate, and resolve complex and high-severity commercial auto physical damage and motor truck cargo claims .

Posted 11/2/2026full-timeRemote • South Carolina • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates advanced expertise in investigating and resolving complex commercial auto physical damage and motor truck cargo claims, with strong capabilities in negotiation, analytical problem-solving, and regulatory compliance. Proficient in managing claims processes, coordinating external resources, and maintaining documentation accuracy.

Highest-signal resume keywords

Auto Physical Damage Claims ExperienceCommercial Vehicle Damage EvaluationAdvanced Motor Truck Cargo Claim ExpertiseAdjuster’s LicenseClaims Management Technology Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationDamage EvaluationNegotiationReservingRecoveryProblem-SolvingAnalytical SkillsIndependent Decision-MakingCausation AnalysisTotal-Loss Valuation

Soft Skills

CommunicationOrganizational SkillsCritical-ThinkingMentoringProcess Improvement

Tools & Technologies

Google WorkspaceAdobe AcrobatEstimating ApplicationsClaims Management TechnologySnapsheetCCCMitchell

Certifications & Qualifications

Active Adjuster’s License

Industry Keywords

Commercial Auto CoverageMotor Truck Cargo CoverageTelematicsFraud InvestigationSubrogationSalvage DispositionRegulatory ComplianceService StandardsCost ContainmentCustomer Service

About the role

Key responsibilities & impact

Independently investigate, evaluate, negotiate, and resolve complex and high-severity commercial auto physical damage and motor truck cargo claims
Conduct coverage, causation, and damage investigations using telematics, dash-camera footage, photographs, GPS/ELD information, police reports, shipping records, and other evidence
Investigate and evaluate complex motor truck cargo losses and related documentation
Evaluate vehicle and equipment damages, repair estimates, appraisals, total-loss valuations, towing, storage, rental, downtime, cargo handling, cleanup, and mitigation expenses
Manage total-loss, cargo mitigation, salvage, title processing, lienholder, and salvage disposition activities
Maintain reserves and negotiate complex settlements with involved parties
Identify subrogation, salvage, contribution, indemnification, fraud, and SIU referral opportunities
Develop claim action plans and coordinate appraisers, cargo surveyors, salvage vendors, towing providers, repair facilities, and experts
Serve as a senior technical resource and mentor; support claim reviews, training, quality assurance, vendor management, and process improvement
Manage complex claim inventory while ensuring documentation, regulatory compliance, service standards, productivity, cycle time, cost containment, reserve accuracy, recoveries, and customer service

Requirements

What you’ll need

5+ years of auto physical damage claims experience; significant commercial auto, trucking, heavy-equipment, and/or motor truck cargo experience preferred
College education or an equivalent combination of education and relevant claims experience preferred
Active Adjuster’s License and ability to obtain and maintain all required state licenses
Advanced knowledge of commercial auto physical damage and motor truck cargo coverage
Strong technical knowledge of commercial vehicle damage evaluation and repair
Advanced motor truck cargo claim expertise
Strong reserving, recovery, and investigative capabilities
Ability to identify and investigate complex or questionable claim activity
Experience coordinating and managing external claims resources
Strong analytical, critical-thinking, problem-solving, negotiation, communication, organizational, and independent decision-making skills
Proficiency with Google Workspace, Adobe Acrobat, estimating applications, and claims management technology
Snapsheet, CCC, Mitchell, or similar platform experience preferred
Must be legally authorized to work in the United States; HDVI does not sponsor employment visas

Benefits

Comp & perks

Competitive salary & an enticing bonus program
Unlimited PTO with 11 paid holidays each year
Medical, Dental, Vision, Short/Long Term Disability, Basic Life, and AD&D
FSA / HSA programs
401(k) retirement plan with company match contribution
Inclusive Parental Leave policy
Wednesdays are standing meeting-free
Birthday meal reimbursement
Remote-friendly environment with periodic in-person team offsites