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Inside Physical Damage Appraiser Jobs (NOW HIRING)

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Inside Physical Damage Appraiser information

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$43.5K

$73K

$99.5K

How much do inside physical damage appraiser jobs pay per year?

As of Sep 9, 2026, the average yearly pay for inside physical damage appraiser in the United States is $73,043.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,000.00 and $92,500.00 per year, depending on experience, location, and employer.

What does an inside physical damage appraiser do?

An Inside Physical Damage Appraiser is responsible for evaluating and estimating the cost of repairs for vehicles that have been damaged in accidents or other incidents. They typically work from an office (inside) rather than in the field, using photographs, repair shop reports, and other documentation to assess damage remotely. Their main tasks include reviewing claims, determining repair costs, negotiating with repair shops, and ensuring that estimates are accurate and fair. They play a crucial role in the insurance claims process, helping both insurers and policyholders resolve claims efficiently.

What are the key skills and qualifications needed to thrive as an inside physical damage appraiser, and why are they important?

To thrive as an Inside Physical Damage Appraiser, you need a strong knowledge of automotive repair, damage assessment, and insurance claims processes, typically supported by relevant experience or certifications such as I-CAR or ASE. Familiarity with estimating software like CCC ONE, Audatex, or Mitchell, as well as general computer proficiency, is essential for accurate appraisals. Excellent attention to detail, strong analytical skills, and effective communication are crucial soft skills for negotiating and explaining assessments to clients and repair shops. These competencies ensure accurate, fair, and efficient claim settlements, fostering customer satisfaction and reducing loss for insurers.

How does an inside physical damage appraiser typically collaborate with other departments during the claims process?

Inside Physical Damage Appraisers work closely with claims adjusters, repair shops, and sometimes customers to ensure accurate and timely assessments of vehicle damage. They often review photos, repair estimates, and documentation submitted by external partners, and communicate findings or additional requirements to adjusters. Collaboration is key to resolving discrepancies, expediting claim settlements, and maintaining a smooth workflow. This role is highly team-oriented, often involving regular meetings and digital communication to keep everyone aligned throughout the claims process.

What is the difference between Inside Physical Damage Appraiser vs Auto Damage Adjuster?

AspectInside Physical Damage AppraiserAuto Damage Adjuster
CertificationsInsurance licenses, certifications in appraisalInsurance licenses, claims adjusting certifications
Work EnvironmentOffice-based, claims centers, repair shopsField and office-based, inspecting vehicles
Industry UsageInsurance companies, appraisal firmsInsurance companies, claims departments

Both roles involve evaluating vehicle damage, but Inside Physical Damage Appraisers focus on detailed damage assessments and appraisals, often working in offices or repair shops. Auto Damage Adjusters typically handle claims in the field, inspecting vehicles on-site. While their certifications and work environments overlap, their primary responsibilities differ in scope and setting.

What cities are hiring for Inside Physical Damage Appraiser jobs?

Cities with the most Inside Physical Damage Appraiser job openings:

What states have the most Inside Physical Damage Appraiser jobs?

States with the most job openings for Inside Physical Damage Appraiser jobs include:

What are popular job titles related to Inside Physical Damage Appraiser jobs?

For Inside Physical Damage Appraiser jobs, the most frequently searched job titles are:

Inside Physical Damage Appraiser

Knoxville, TN • On-site

Auto Owners Insurance Company
Insurance Services • 5 - 10K employees

Full-time

Retirement, PTO

Re-posted 8 days ago


Key responsibilities

  • Inspect damaged automobiles, develop information regarding repair costs, negotiate repair cost agreements, and evaluate practicality of repair and options for settlement of claims.

  • Communicate with claim associates, agents, insured's repair facilities, and others regarding inspections and conclusions, and participate in negotiations and follow-up on claims.

  • Handle investigations by phone, mail, and on-site, and attend arbitrations, mediations, depositions, or trials as necessary.


Auto-Owners Insurance rating

9.2

Company rating: 9.2 out of 10

Based on 35 frontline employees who took The Breakroom Quiz

23rd of 315 rated insurance


Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Job Description

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking an experienced and motivated Claims professional to join our team. The position requires the following, but is not limited to:

  • Inspect damaged automobiles, develop information regarding repair costs, negotiate repair cost agreements, and evaluate practicality of repair and options for settlement of claims.
  • Maintains an understanding of current automobile construction and repair techniques, assuring compliance with statutory requirements including but not limited to appropriate use of after-market parts, and repairs to automobiles with concern for safety and industry standards.
  • Communicate with claim associates, agents, insured's repair facilities and others regarding inspections and conclusions; develop and participate in required communication to vehicle owner regarding repairs, participate as necessary in negotiations, follow-up and problem resolution on claims.
  • Works towards the resolution of claims, and may attend arbitrations, mediations, depositions, or trials as necessary.
  • Handle investigations by phone, mail and on-site investigations.
  • Willing to travel and be temporarily reassigned for catastrophe duty upon request.

Desired Skills & Experience

  • Bachelor's degree or equivalent experience
  • A minimum of 3 years working as a physical damage appraiser .
  • Knowledge of CCC software is preferred but not required
  • Above average communication skills (written and verbal)
  • Ability to resolve complex issues
  • Organize and interpret data
  • Ability to handle multiple assignments
  • Possess a valid driver's license

Benefits

Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

#LI-DNP #LI-Onsite

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