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Insurance Damage Appraiser Jobs (NOW HIRING)

Amwins

Material Damage Appraiser

Houston, TX · On-site

Minimum of five (5) years of experience writing automobile damage appraisals with an insurance carrier, independent appraisal firm, or collision repair facility. * Demonstrated ability to prepare ...

Amwins

Material Damage Appraiser

Houston, TX

Minimum of five (5) years of experience writing automobile damage appraisals with an insurance carrier, independent appraisal firm, or collision repair facility. * Demonstrated ability to prepare ...

Ford of Greenfield

Auto Damage Appraiser

Greenfield, MA · On-site

$50K - $70K/yr

Communicate with insurance companies and customers to facilitate repairs and claims processing ... MA Appraisers license with a proven track record as an Auto Damage Appraiser or similar role.

Ford of Greenfield

Auto Damage Appraiser

Greenfield, MA · On-site

$50K - $70K/yr

Communicate with insurance companies and customers to facilitate repairs and claims processing ... MA Appraisers license with a proven track record as an Auto Damage Appraiser or similar role.

8AK American Hallmark General Agency

WI · On-site

$60 - $80/hr

Responsible for the prompt, accurate and efficient appraisal and payment of vehicle repair damage ... Knowledge of insurance claims handling processes and state‑specific regulations preferred * Texas ...

Hallmark Financial Services, Inc.

$60 - $80/hr

Responsible for the prompt, accurate and efficient appraisal and payment of vehicle repair damage ... Knowledge of insurance claims handling processes and state-specific regulations preferred. * Texas ...

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Insurance Damage Appraiser information

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$43.5K

$73K

$99.5K

How much do insurance damage appraiser jobs pay per year?

As of Sep 8, 2026, the average yearly pay for insurance 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 is the difference between Insurance Damage Appraiser vs Insurance Adjuster?

AspectInsurance Damage AppraiserInsurance Adjuster
CredentialsTypically requires state licensing, certifications like IAEA or AICRequires similar licensing and certifications, often the same as damage appraisers
Work EnvironmentWorks primarily in the field inspecting damaged property or vehiclesWorks both in the field and office, assessing claims and negotiating settlements
Employer & IndustryEmployed by insurance companies, independent adjusters, or appraisal firmsEmployed by insurance companies or independent adjusting firms
Comparison Search IntentOften compared for claim assessment rolesMore focused on claim settlement and negotiation

Both Insurance Damage Appraisers and Insurance Adjusters play vital roles in the insurance claims process. Damage appraisers focus on inspecting and estimating damages, while adjusters handle broader claim evaluations and negotiations. Understanding their differences helps in choosing the right career path or job role within the insurance industry.

How to become an insurance damage appraiser?

To become an insurance damage appraiser, individuals typically need a high school diploma or equivalent, followed by training or certification in property or casualty insurance adjusting. Many employers prefer candidates with experience in claims adjusting, knowledge of insurance policies, and proficiency with estimating software. Licensing or certification from industry organizations may be required depending on the state or region.

What is an insurance damage appraiser?

An insurance damage appraiser evaluates property, vehicle, or other damage claims to determine the extent of loss and appropriate compensation. They inspect damaged items, review repair estimates, and prepare detailed reports for insurance companies, often requiring knowledge of industry standards and certification in appraisal or claims adjusting.

What states have the most Insurance Damage Appraiser jobs?

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

What are popular job titles related to Insurance Damage Appraiser jobs?

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

Infographic showing various Insurance Damage Appraiser job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $73,043 per year, or $35.1 per hour.

Material Damage Appraiser

Amwins

Houston, TX • On-site

Full-time

Re-posted 8 days ago

Amwins rating

7.8

Company rating: 7.8 out of 10

Based on 38 frontline employees who took The Breakroom Quiz

196th of 315 rated insurance

Job description

Material Damage Appraiser - Houston, TX
Position Summary
The Material Damage Appraiser is responsible for inspecting, evaluating, negotiating, and documenting physical damage claims while delivering exceptional customer service. This role requires strong technical knowledge of vehicle repair methods, estimating software, and total loss evaluations. The ideal candidate is self-motivated, organized, and able to independently manage an assigned geographic territory while maintaining quality, accuracy, and timely claim handling.
Key Responsibilities
  • Plan routes and travel efficiently within the assigned geographic territory to inspect damaged vehicles in a timely manner.
  • Inspect and appraise damaged vehicles using company guidelines, OEM repair procedures, and industry best practices.
  • Utilize estimating software to evaluate, document, and prepare accurate repair estimates for accident-related damages.
  • Negotiate repair estimates with customers' selected repair facilities while maintaining professional relationships.
  • Manage the repair process to help ensure repairs are completed accurately and within established timeframes.
  • Determine whether damaged vehicles are repairable or qualify as total losses in accordance with company guidelines.
  • Complete total loss evaluations and determine appropriate salvage values.
  • Issue payments for covered damages within established authority limits when appropriate.
  • Maintain accurate claim documentation, file notes, and timely communication with the Material Damage unit and key Claims Department personnel.
  • Contact customers promptly to schedule inspections and provide regular updates throughout the claims process.
  • Complete vehicle inspections within established service level expectations while providing accurate repair costs and estimated repair completion times.
  • Explain the appraisal process, answer customer questions, and maintain effective communication with body repair facilities.
  • Assist internal claims teams by providing expertise regarding total loss evaluations, prior unrelated damage, repairability, and other material damage matters.
  • Stay current on vehicle technology, repair procedures, OEM repair standards, and industry trends by completing required continuing education.
  • Apply a thorough understanding of the Company's Standard Claim Process and Material Damage Best Practices to ensure consistent, high-quality claim handling.
Qualifications
Licenses & Certifications
  • Candidates must have a Texas or Florida Adjuster License.
  • All required licenses must be maintained in accordance with applicable state requirements.
  • Additional state adjuster licenses may be required after hire based on business needs and must be obtained within required timeframes.
  • ASE and/or I-CAR certifications are preferred but not required.
Experience
  • Minimum of five (5) years of experience writing automobile damage appraisals with an insurance carrier, independent appraisal firm, or collision repair facility.
  • Demonstrated ability to prepare accurate, comprehensive repair estimates across a wide variety of vehicle types, damage severity, and claim scenarios.
  • Strong understanding of collision repair methods, OEM repair procedures, repair-versus-replace decision making, and total loss evaluations.
  • Proficiency with automotive estimating software is required; experience with CCC ONE is strongly preferred.
  • Excellent negotiation, communication, organizational, and customer service skills.
  • Ability to independently manage an assigned territory, prioritize workload, and meet established service and quality expectations.
  • Valid driver's license with an acceptable driving record and the ability to travel throughout the assigned territory.
Preferred Skills
  • Strong analytical and decision-making abilities.
  • Ability to build and maintain productive relationships with customers, repair facilities, and internal business partners.
  • Self-motivated with excellent time management and organizational skills.
  • Ability to work independently in a fast-paced, performance-driven environment while maintaining attention to detail.
  • Commitment to delivering exceptional customer service and achieving quality claim outcomes.

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