Claims Representative - Total Loss

Provides timely and accurate investigation, evaluation, analysis, and settlement on basic to moderately complex total loss, loss of use, towing and storage claims. Negotiates settlements with claimants and attorneys that fall within prescribed authority limits. Documents claim files with all pertinent information and disposition.

This position will be located at our Office in Stevens Point, WI in a hybrid work model and is not a fully remote opportunity.

What You'll Do

As a Claims Representative for the Total Loss team, you will:

• Evaluate claims of basic to moderate complexity requiring expertise in private passenger auto, commercial auto, tractor trailers, heavy equipment, watercrafts, trailers, motorcycles, and other land-based off road or specialty vehicles.
• Compile and reviews pertinent information including but not limited to, repair estimates, unrelated prior damage estimates, photos, vehicle conditioning, and actual value to make accurate repair/total loss decisions that adheres to state specific thresholds.
•  Conduct and reviews valuations through company approved vendors and conducts further research as necessary to determine appropriate cash value for various auto and specialist vehicles. Adheres to state specific compliance including completion and submission of required forms, taxes, and fees.
• Negotiate basic to moderately complex settlements with claimants and/or attorneys that fall within prescribed authority limits. Explains procedures and denials to claimants where coverage does not exist. Refers payment or denial of claims that exceed assigned authorization limits to management with settlement recommendations.
• Coordinate rental vehicles for claimants as necessary and handles any claim expenses including but not limited to, advance changes, salvage, rental and outside vendor expenses, ensuring services are properly covered for claimants while controlling expenses.
• Document all decisions, correspondence, reports and discussions that occur during the claim handling process and investigation.

Additionally, you will:

• Detect potential issues/concerns and works with the claim owner, subrogation, or SIU on claims requiring additional review, investigation, or research to protect the company’s right of recovery.
• Maintains appropriate claim and expense reserves. Coordinates loss and expense payments to claimants and lienholders.
• Coordinates transfer of claim file to salvage to obtain refunds on salvage parts ensuring the maximum recovery.
• May work closely with repair facility, dealers and/or others to facilitate replacement or repair work.
• Notify Underwriting of any adverse findings on a particular risk.
• Obtain and maintains state adjuster and appraiser licensing as required.
• Perform other job-related duties as assigned from time to time.

What it Takes:

• Knowledge of insurance policies and coverages, claim payment procedures, and familiarity with vehicle terminology preferred.
• Previous insurance experience and/or coursework beneficial. Possess analytical abilities to review, exercise judgment, and evaluate claims to make sound decisions.
• Able to review and interpret documents such as contracts, vehicle purchase agreements and insurance regulations.
• Effective oral and written communication skills and human relations skills. Ability to maintain confidentiality.
• Possess creativity, empathy, negotiation, and problem-solving skills. Ability to work at a fast pace, multi-task within various claim and computer systems, and make independent decisions. Ability to meet the travel requirements of the job to include business related assignments, with limited notice, as business needs arise. Travel may include driving, flying or any other necessary form of transportation.

What You'll Receive

At Sentry, your total rewards go beyond competitive compensation. Below are some benefits and perks that you’ll receive.

• Sentry is happy to offer flexibility through a scheduled Hybrid work model. Monday and Friday work from home if you choose to, Tuesday through Thursday you’ll work in office.
• As a Sentry associate, you will have an in-office workspace and materials for your home office. In addition to the laptop, you will receive prior to your start, Sentry will provide equipment for your home office. 
• Meal Subsidy available for associates who report to an office.
• 401(K) plan with a dollar-for-dollar match on your first eight percent, plus immediate vesting to help strengthen your financial future.
• Continue your education and career development through Sentry University (SentryU) and utilize our Tuition Reimbursement program
• Generous Paid-Time Off plan for you to enjoy time out of the office as well as Volunteer-Time off
• Group Medical, Dental, Vision, Life insurance, Parental leave, and our Health and Wellness benefits to encourage a healthy lifestyle.
• Well-being and Employee Assistance programs
• Sentry Foundation gift matching program to encourage charitable giving.

About Sentry

We take great pride in making Forbes’ list of America’s Best Midsize Employers. A lot of different factors go into that honor, many of which contribute to your job satisfaction.

Our bright future is built on a long track record of success. We got our start in 1904 and have been helping businesses succeed and protect their futures ever since. Because of the trust placed in us, we’re one of the largest and financially strongest mutual insurance companies in the United States. We’re rated A+ by A.M. Best, the industry's leading rating authority.

Our headquarters is in Stevens Point, Wisconsin, with offices located throughout the United States. From sales to claims, and information technology to marketing, we enjoy a rewarding and challenging work environment with opportunities for ongoing professional development and growth.

Get ready to own your future at Sentry. Opportunities await!

Talent Acquisition Specialist

Donna Paschall

Equal Employment Opportunity

Sentry is an Equal Opportunity Employer. It is our policy that there be no discrimination in employment based on race, color, national origin, religion, sex, disability, age, marital status, or sexual orientation.