Claims Representative, Total Loss

Who is Clearcover? The Future of Car Insurance, Powered by You. Clearcover is revolutionizing the industry, putting our customers in the driver's seat. Founded in 2016, Clearcover is built on a simple premise: provide affordable, hassle-free car insurance with one of the industry's fastest claims experiences. We challenge the status quo, redefining what it means to truly put the customer first. We're rapidly growing and recognized for it! Clearcover has been featured on the Inc. 5000 Fastest Growing Privately Held Companies list and the Deloitte Technology Fast 500™ list, raising over $560 million in funding to date. We've also been honored on Insurance Business America's Top Insurance Employers list and CNBC's World's Top Insurtech Companies, with Forbes naming us one of America's Best Insurance Companies in 2025. But what makes Clearcover truly different is our people. We're a team of curious, compassionate problem-solvers who believe that doing right by our customers and each other is just good business. What will you do? We are seeking a Claims Representative, Total Loss to manage the backend of Clearcover’s auto total loss pipeline. In this role, our estimators handle upfront vehicle valuations via Mitchell with the support of its Intelligent Estimating capability. Your core mission is to serve as the “Title Master” — navigating Copart Title Express to clear complex document defects, while maintaining the claims agility to step into Mitchell to value total loss vehicles, then negotiate and settle when called upon. You are a total loss process expert who brings precision, urgency, and a customer-first mindset to every file. Salvage & Title Mastery — Own the end-to-end salvage process using Copart Title Express and secondary vendor tools; resolve “outside the norm” title defects including out-of-state lienholder hold-ups, estate/deceased owner issues, and missing powers of attorney ​ Storage Mitigation — Monitor vehicle transit and yard check-ins daily to eliminate storage tracking bottlenecks at tow yards Hybrid Valuation Support — Review and audit vehicle evaluations generated by estimators; step in to handle advanced negotiations and close final settlements with policyholders or claimants, navigating them through the entirety of the process Pick up and drive resolution of total losses identified by external parties — including vendors, independent appraisers, and direct repair shops — including valuation completion and settlement Cross-Functional Hand-off — Partner with the estimating team and admin support to ensure settled files are immediately cleared for rapid payment processing Leverage AI-assisted tools to accelerate total loss documentation, support vehicle valuation review, and streamline title defect tracking and resolution workflows What do you need? Active, in-good-standing Resident or Designated Home State (DHS) Adjuster License in Texas (TX) or Florida (FL) with multi-state reciprocity required 3–5 years of direct experience navigating Copart / Copart Title Express to resolve non-standard title tracking defects Strong background utilizing automated total loss platforms — Mitchell WorkCenter/TLV preferred; CCC ONE with willingness to train on Mitchell accepted Proven ability to explain vehicle valuations, ACV adjustments, and salvage laws to insureds clearly and empathetically Multi-state handling experience strongly preferred Comfort using AI-assisted tools (e.g., Claude, ChatGPT, Copilot) to streamline claims documentation, support valuation review, and improve workflow efficiency preferred Bonus Points: Experience handling total loss files in TX, FL, and additional reciprocal states Familiarity with Clearcover’s claims systems or similar insurtech platforms Experience working in a technology-forward or insurtech environment Hands-on experience using AI tools to automate total loss documentation, summarize valuation disputes, or accelerate title defect resolution Physical Requirements: Prolonged periods of sitting at a desk and working on a computer But wait, there's more… As a people-first company, your health and well-being is a priority at Clearcover. We offer comprehensive benefits and perks for all employees: Medical: Affordable BCBS plans for you and your dependents. If you select the high deductible health plan, we offer an HRA and contribute to your HSA Dental and Vision: We cover 100% of dental and vision premiums for you and your dependents. Pre-tax benefits, disability, and life insurance 401(k): We contribute 3%, even if you contribute nothing Generous vacation, 12 paid holidays, and parental leave Equity in the company and an annual bonus program Employee auto insurance discount (if Clearcover is available in your state) We're a remote first company, having paved the way for flexible work locations. If you're local or visiting Chicago, you're also welcome to work from our HQ office. Base Compensation Range: $66,000 – $72,000 (USD) annually (USD) annually We encourage all applicants to apply, even if you don't meet every qualification listed. Research shows that underrepresented candidates — including women, people of color, and members of the LGBTQ+ community — are less likely to apply unless they meet 100% of the requirements. Don't let that be the reason you miss out. We want to hear from you. Clearcover is an Equal Opportunity Employer (EOE) that welcomes and encourages all applicants to apply regardless of age, race, color, religion, sex, sexual orientation, gender identity and/or expression, national origin, disability, veteran status, marital or parental status, ancestry, citizenship status, pregnancy, or other reasons prohibited by law.