Inside Physical Damage Claims Adjuster I

General Position Summary

The Inside Physical Damage Claims Adjuster is responsible for the investigation, evaluation, negotiation, and resolution of first party vehicle claims, including Personal, Farm, and Commercial lines claims with low level to moderate property damage. Responsibilities also include providing exceptional customer service, thorough coverage analysis, communication with insureds and other interested parties, complying with file requirements, and making recommendations to management pertaining to company coverage and/or settlement positions.

Essential Functions:

  1. Ascertains validity of claims, verifies coverage, determines extent of the value of a vehicle damage claim and negotiates settlements within prescribed limits of authority, in accordance with established procedures and consistent with legal and contractual obligations, as well as state statutes and Department of Insurance requirements.
  2. Works with insureds, claimants, agents, attorneys, witnesses, repair shops, service providers and others to bring assigned claims to prompt conclusion.
  3. Communicates with insureds, claimants and other interested parties over the telephone and in written correspondence relating to claims adjusting and settlement activities involving physical damage.
  4. Maintains current knowledge of policy coverages, developments in tort law and damage-related issues.
  5. Assists supervisors in maintaining proper reserving.
  6. Alerts the Underwriting Department of questionable risks or potential hazards.
  7. Submits prompt and concise reports containing all information and evidence developed in the investigation.
  8. Maintains a diary system to ensure all claims are properly and adequately handled to conclusion.
  9. Maintains the confidentiality of claim information.
  10. Investigates and documents all subrogation possibilities.
  11. Other responsibilities and duties as assigned.

Additional Responsibilities:

  1. Meet expectations of attendance and punctuality.
  2. Serve as back-up to other team members, including support staff when needed.
  3. Actively participate in continuing education.
  4. Present a professional and helpful appearance.

Required Knowledge, Skills and Abilities:

  1. Skills described in job description.
  2. Knowledge of insurance contracts, claim policies and procedures, and customer service philosophies.
  3. Ability to communicate clearly, professionally, and empathetically both in person and on the telephone. Must be able to timely and effectively communicate with insureds, claimants, attorneys, agents, vendors and others through frequent written and telephone communication.
  4. Ability to cultivate and maintain constructive working relationships despite differing perspectives.
  5. Ability to empathize with, actively listen to, and deal sensitively and professionally with insureds and claimants.
  6. Strong organizational and time management skills.
  7. Ability to develop strong negotiation skills.
  8. Ability to learn and utilize computer systems and other technologies.
  9. Ability to maintain quality work product and professionalism, even when work volume is high.
  10. Ability to think critically and anticipate, recognize, identify and develop solutions to problems in a timely manner.
  11. Ability to work independently, as well as in a team environment.
  12. Satisfactory work history and excellent attendance record.

Education / Experience Requirements:

  1. Education:
    1. Bachelor’s degree (B.S./B.A.) from a four-year college or university preferred without experience; or
    2. Associate’s Degree plus 1-2 years of related work experience (preferably in the insurance industry); or
  2. Industry Education and Experience:
    1. Associate in General Insurance (AINS) designation earned within one year after hire.
    2. Some claims adjusting experience preferred.
  3. Equivalent combination of industry education and experience may be substituted for the above.

Interested candidates can send their resumes to:

Human Resources Department, or apply online.
Cameron Mutual Insurance Company
214 McElwain Drive
Cameron, MO 64429-1321
Find an agent icon

Find an Agent


“I don’t know how we would have gotten through this loss without the help of your adjuster. He truly made a difference in our lives.”

Northwest Missouri

“I want to thank you very much for your wonderful service to me when I had my car accident in January. You went above and beyond your duties and I do appreciate it. I am very pleased with all you do for me. I will recommend your company.”

Central Iowa

“I have never had to use insurance before so when I hit the deer, I just knew it was going to be a long, drawn out nightmare. But it was the complete opposite! My agent, adjuster and appraiser were all so prompt, compassionate and went above and beyond!”

North Central Missouri