Claims Technical Specialist

POSITION

SurSafe Mutual Insurance Company (SurSafe) is seeking a qualified applicant to fill the position of Claims Technical Specialist.

COMPANY DESCRIPTION

SurSafe, formerly known as BMI Company, Inc., has proudly served individuals, families, and businesses with trusted insurance protection since 1891. Our roots trace back to Billings, Missouri, where we began as Farmers Mutual Fire Insurance Company of Christian County MO, founded by a group of German-American farmers who recognized the importance of safeguarding their neighbors’ property and livelihoods.

DEPARTMENT DESCRIPTION

Our Claims Department is responsible for adjusting claims for all lines of business from first notice of loss to conclusion. We have a strong focus on customer service and helping our clients through what can be difficult moments in their lives.

JOB SUMMARY

A Claims Technical Specialist supports total loss evaluations, repair methodology guidance, and regulatory compliance. Beyond technical execution, this role plays a critical role in developing frontline talent through coaching, file reviews, trend analysis, and targeted feedback to elevate overall team performance. The Claims Technical Specialist champions best practices, promotes accountability, and supports continuous improvement initiatives that enhance claim accuracy, cycle time, indemnity control, and customer experience. This individual leads by influence, modeling sound judgement, strong communication, and a solutions-oriented mindset aligned with organizational goals. This role requires the ability to obtain a strong understanding of insurance and company policies to ensure coverage is valid and to negotiate a fair settlement amount for the claim.

KEY RESPONSIBILITIES

• Review, analyze, and validate received auto repair estimates for accuracy, completeness, and compliance with company guidelines and industry standards.
• Determine proper vehicle damage evaluations and ensure accurate entry, updates, and documentation with the CCC platform.
• Apply sound claims judgement to confirm repair versus total loss determination in accordance with policy provisions, state regulations, and internal thresholds.
• Identify discrepancies, omissions, or potential overpayments within estimates and work collaboratively with repair facilities, adjusters, and vendors to resolve.
• Provide technical guidance and support to field and desk adjusters regarding estimate accuracy, repair methodology, parts usage, and CCC best practices.
• Ensure all evaluations reflect fair, consistent, and defensible claim settlements.
• Maintain detailed and compliant claim file documentation to support audit readiness and quality standards.
• Adhere to service level expectations, productivity standards, and customer experience goals.
• Identify trends, cost savings opportunities, and process gaps through audit findings and reporting.
• Conduct in-person vehicle inspections and write accurate repair estimates using CCC or approved estimating platforms when required.
• Collaborate with CCC representatives on new and existing products and services to ensure proper utilization, adherence to company benchmarks, internal estimating standards, and alignment with industry best practices.
• Adhere to assigned authority levels, service level agreements, and productivity expectations.
• Meet or exceed performance metrics such as cycle times, quality audits, and customer satisfaction scores.
• Partner with the IT department and CCC representatives to define scope, timeline, and deliverables for implementation of CCC intelligent Solutions.
• Escalate risks or process gaps to management leadership.
• Assist with interface development & data mapping.

REQUIRED QUALIFICATIONS & SKILLS

• Knowledge of insurance policies, coverage rules and claim processes.
• Ability to evaluate vehicle damage estimates and repair costs.
• Proficiency in Microsoft Office Suite (especially Excel and Word) and the ability to learn and utilize various computer software programs, familiarity with claims management software. (e.g., CCC)
• Strong written documentation and reporting skills to maintain regulatory compliance and accurate recordkeeping.
• Strong attention to detail is crucial for accuracy in data entry, document review, and ensuring policy correctness.
• Strong interpersonal, written, and verbal communication skills are essential for building rapport and conveying complex information clearly. Must be able to show empathy and professionalism when working with all individuals.
• The ability to work independently and prioritize time effectively is critical. Good time management and ability to handle multiple claims at once.
• Knowledge of Rules of the Road and traffic laws.

COMPLIANCE & REPORTING

• Ensure compliance with state regulations, company policies, and claims handling best practices.
• Maintain accurate and organized claim file documentation.

PHYSICAL WORK CONDITIONS

• Ability to work at a desk using a computer for up to 8 hours a day.
• Ability to lift up to 15 pounds frequently and 50 pounds occasionally

EDUCATION AND EXPERIENCE

• Active adjusters license(s) as required by state regulations, or the ability to obtain Texas license within a specified timeframe.
• A minimum of a high school diploma or GED is required.
• A minimum of 3 years of experience in adjusting auto claims, evaluating damage & estimating repairs is required.

JOB CLASSIFICATION

• Full time
• Exempt

HOW TO APPLY

• Please submit resume
• A comprehensive background check will be conducted as a condition of employment.

WORK LOCATION

• Office – 100%

SCHEDULE

• Monday – Friday
• 8 AM – 5 PM

The job description is not intended to be a comprehensive list of the duties and responsibilities of this position; the duties and responsibilities may change without notice.

Expected hours: 40.0 per week

Benefits:

• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Retirement plan
• Vision insurance

Work Location: In person