Appraiser remote jobs

Under the direction of Vehicle Services Management and Heavy Equipment Specialists. Prepared written appraisals on damage to “on or off road” heavy equipment. Responsible for establishing accurate and acceptable repair figures if repairable. Establishes pre-loss actual cash value and possible salvage value if non-repairable. Heavy Equipment Claims Appraiser (Remote - US) Got 5+ years in insurance claims? Help us assess damage, value losses, and settle claims with precision. • Estimate repair & salvage values • Prep reports & follow client instructions • Support calls & local outreach • ✅ Always act with integrity Work from anywhere in the U.S. Looking for candidates with 5 years of experience in claims Remote - but should reside in Dallas, Philadelphia, Chicago, Los Angeles, Newtown Square or Texas High school or vocational school graduate or an equivalent combination of education and experience. 5 years of previous experience with heavy equipment and appraising vehicle damage. Licensing as required by jurisdiction. Must possess a valid driver's license. Must complete continuing education requirements per Crawford Educational Services. Ability to read and interpret technical reference material. Ability to communicate effectively, both orally and in writing. In-depth working knowledge of various types of vehicle construction and repair techniques. Ability to learn automated appraisal systems. Solid negotiating and customer service skills. Must possess solid mathematical and computational skills. #LI-CB3 Appraises heavy equipment damage to determine repair costs for claim settlement. Establishes pre-loss actual cash value and salvage value for heavy equipment beyond repair. Establishes cargo loss value if applicable. Examines damaged unity for interior/exterior damage. Interprets client special instructions to accurately handle claims. Prepares reports/documents for appropriate personnel as required. Records case time/billings. Solicits business locally when called upon to do so. Back up point of contact in the call. Upholds the Crawford Code of Business Conduct at all times. Performs other duties as requested. Upholds the Crawford Code of Conduct.

Field Consultant I - Conduct virtual and onsite inspections of high-value homes and small businesses to analyze replacement cost value and assess risk for personal and commercial insurance lines. Demonstrate professionalism and expertise to all stakeholders, ensuring high-quality survey results. Meet monthly survey and revenue production goals, and complete special projects as assigned. Document property features, assess hazards, and provide detailed survey reports with recommendations for risk improvement. 111111 1111111

Benefits/Perks Careers Advancement Opportunities Flexible Scheduling Competitive Compensation We are seeking an experienced Automotive Appraiser to join our team. In this role, you will appraise damaged vehicles and determine vehicle value. Your responsibilities will include performing physical inspections, documenting damage, and reviewing repair estimates. The ideal candidate is methodical and detail-oriented with excellent verbal and written communication skills. Responsibilities Perform physical inspections of damaged vehicles Determine the extent of damage Document repairs needed and review repair shop estimates Determine vehicle value and provide documentation Qualifications Bachelor's degree in a relevant field is preferred Previous experience as an Automotive Appraiser is preferred Excellent written communication and negotiation skills Ability to work with little or no supervision Flexible work from home options available. Compensación: $35,000.00 - $75,000.00 per year Global Staffing Service's objective is to provide highly qualified contract, contract-to-hire and direct-hire staff to our clients. We understand the technical requirements of the positions you need to staff and the importance of delivering a cost-effective solution in a timely manner. We custom-tailor a candidate search based on your specific needs. We will advise you on the ideal candidate profile and compensation package to attract the right people. We recruit nationwide, check references and mediate negotiations. Our particular focus includes but not limited to: (in no particular order) Executives Outside Sales Professionals Inside Sales Professionals Regional Managers Area Managers IT Professionals Finance Professionals Engineering Professionals Manufacturing Professionals Distribution Health Services We currently have over 500 positions available. Although this is a moving target, it constitutes the average number of openings at any given time.

About the Business: LexisNexis Risk Solutions is the essential partner in the assessment of risk. Within our Insurance vertical, we provide customers with solutions and decision tools that combine public and industry specific content with advanced technology and analytics to assist them in evaluating and predicting risk and enhancing operational efficiency. Our insurance risk solutions help drive better data-driven decisions across the insurance policy lifecycle - all while reducing risk. You can learn more about LexisNexis Risk at the link below. ************************************* About our team: Our Claims sales team works with insurance carriers and claims teams to provide tools and solutions to help better understand the market and manage risk. About the job: The Claims Field Consultant ensures client satisfaction and retention through quality service and proactive consultation. This position is responsible for building and maintaining relationships with customers' claims organizations, within an assigned client base. You'll Be Responsible For: Developing relationships with claims offices in assigned customers and serve as a key point of contact for those claims offices to address service needs. Working closely with Vertical Account Managers, who own the overall client relationship, on building client-specific service plans that ultimately will drive revenue growth. Analyzing industry trends, competitive threats and client-specific product usage trends, using this information to work with the Vertical Account Managers on developing strategies focused on client retention and revenue growth. Analyzing customers' current product usage to identify areas of opportunity, as well as to make user training recommendations. Through interaction with claims offices, develop an understanding of processes and workflows at each office so you can better identify LexisNexis Risk products that may provide value to the client. Also identify competitors that clients may be using and report that competitive intelligence back to LexisNexis Risk. Troubleshooting product/service-related concerns clients may have, and coordinate resolution through internal LexisNexis Risk business partners. Preparing and delivering LexisNexis Risk product training to claims offices in person and via webinars, to both large and small groups as needed. Qualifications: Bachelor's degree or equivalent work experience required 5+ years prior auto claims experience; preferably having experience in a leadership and/or training-related role. Candidates with an insurance consulting or account management background will also be considered. Claims-related professional designations, such as AIC, ARM, CPCU, SCLA, CCLA, etc., strongly preferred Strong organizational and project management experience Excellent written and verbal communication skills; comfortable speaking in front of groups and creating training material Strong customer relationship management experience Demonstrated expertise with MS Office (Word, Excel, PowerPoint, etc.) Strong understanding of how to use Excel spreadsheets and pivot tables to analyze data. Travel required up to 25%. Learn more about the LexisNexis Risk team and our culture here. U.S. National Base Pay Range: $72,600 - $134,900. Total Target Cash: $111,700 - $207,500. Geographic differentials may apply in some locations to better reflect local market rates. If performed in Illinois, the pay range is $76,300 - $141,600, the TTC is $117,300 - $217,900. If performed in Chicago, IL, the pay range is $79,800 - $148,400, the TTC is $122,800 - $228,200. If performed in New York, the pay range is $79,800 - $148,400, the TTC is $122,800 - $228,200. If performed in New York City, the pay range is $83,500 - $155,100, the TTC is $128,400 - $238,600. If performed in Rochester, NY, the pay range is $68,900 - $128,100, the TTC is $106,100 - $197,100. If performed in Ohio, the pay range is $68,900 - $128,100, the TTC is $106,100 - $197,100. Pay mix between base and variable pay varies based on sales role; please discuss with the recruiter. We know that your wellbeing and happiness are key to a long and successful career. These are some of the benefits we are delighted to offer: ● Health Benefits: Comprehensive, multi-carrier program for medical, dental and vision benefits ● Retirement Benefits: 401(k) with match and an Employee Share Purchase Plan ● Wellbeing: Wellness platform with incentives, Headspace app subscription, Employee Assistance and Time-off Programs ● Short-and-Long Term Disability, Life and Accidental Death Insurance, Critical Illness, and Hospital Indemnity ● Family Benefits, including bonding and family care leaves, adoption and surrogacy benefits ● Health Savings, Health Care, Dependent Care and Commuter Spending Accounts ● In addition to annual Paid Time Off, we offer up to two days of paid leave each to participate in Employee Resource Groups and to volunteer with your charity of choice We are committed to providing a fair and accessible hiring process. If you have a disability or other need that requires accommodation or adjustment, please let us know by completing our Applicant Request Support Form or please contact **************. Criminals may pose as recruiters asking for money or personal information. We never request money or banking details from job applicants. Learn more about spotting and avoiding scams here. Please read our Candidate Privacy Policy. We are an equal opportunity employer: qualified applicants are considered for and treated during employment without regard to race, color, creed, religion, sex, national origin, citizenship status, disability status, protected veteran status, age, marital status, sexual orientation, gender identity, genetic information, or any other characteristic protected by law. USA Job Seekers: EEO Know Your Rights.

Alacrity Solutions Auto Desk Appraiser Level I - Work from Home Alacrity Solutions is a full end-to-end provider delivering streamlined insurance claims, repair, and recovery solutions. As one of the largest independent providers of insurance claims services in North America, we provide property, auto, heavy equipment, and casualty claims management services. Our staffing capabilities, temporary housing services, managed repair network, and subrogation services support a fully integrated solution from first notice of loss through completion of repairs. By assembling the best service providers through strategic acquisitions and relying on the right talent, Alacrity Solutions provides consistent, professional, and scalable services throughout the entire claim handling and resolution process. To learn more, visit ************************** The role of Auto Desk Appraiser Level I: Desk appraisers will determine the scope and cost of auto repairs for damages caused by collision or other risks. The appraiser reviews shop estimates and/or photos of the damaged vehicle. and works to reach a mutually acceptable repair estimate with the repair facility based on client guidelines and industry standards. Primary Duties include but are not limited to: ( Reasonable accommodation may be made to enable qualified individuals to perform essential functions.) Review and/or rewrite auto body shop estimates for collision and other material damage losses, making changes based on industry standard procedures. Obtain agreement on scope and cost or repairs with repair facilities. Ensure that repair estimates and supplements are properly documented. Provide written reports to clients on adjustments made in the submitted estimates. Prepare and submit total loss condition reports in cases of potential total loss claims. Skills & Requirements: At least 6 months experience with CCC/Pathways estimating software or its equivalent (Audatex, Mitchell, WebEst, etc.) Experience as a body shop estimator, independent field appraiser, or insurance carrier staff appraiser preferred. Excellent time management and organizational skills. Starting salary range: $19 - $20 / hourly Job Specifics: Work from Home Full-Time (Work Schedule: M-F, 8am-5pm) Travel Required: N/A Why Choose Alacrity? Benefits Package including Medical, Dental, Vision, Short- and Long-Term Disability, Life Insurance, and an Employee Assistance Program HSA Bank with selection of High Deductible Health Plan 401K plan options Paid Time Off Accruals Paid Holidays Affirmative Action/EEO Statement Alacrity is an equal opportunity employer and is committed to providing employees with a work environment free of discrimination and harassment. All decisions pertaining to an employee's employment are made without regard to race, color, religion, sex (including sexual orientation, pregnancy, childbirth), gender, gender identity or expression, age, national origin, ancestry, physical or mental disability, medical condition, reproductive health decisions, veteran's status, genetic information, creed, marital status, disability, citizenship status, or any other characteristic protected by applicable law. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, and training. Alacrity Solutions makes hiring decisions based solely on qualifications, merit, and business needs at the time. For more information, please refer to our EEO policy. We will keep your personal information for as long as necessary to fulfill legitimate business purposes and in accordance with applicable laws.

**Details** Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. **Position Summary** : Kemper is seeking an Auto Field Appraiser to work in the West Los Angeles, CA area. You will investigate, evaluate, and appraise damaged automobiles and settle claims within an authorized dollar limit. **Position Responsibilities:** + Participates in a program of formal and on-the-job training through classroom instruction, observing repair work and keeping abreast of new repair techniques and procedures. + Examines first and third-party vehicle damage in the field, at drive in locations, or at service centers as assigned. Follows the company photograph guidelines to verify the identity of the vehicle and to thoroughly document current condition/damage, prior damage, vehicle options, etc. and prepares accurate written appraisal to determine and verify the extent of vehicular damage. A copy of the appraisal will be provided to the owner and uploaded on the day of the appraisal. All supplements will be completed per company guidelines. + Ensures adherence to claims procedures and guidelines prescribed by the company to produce a high-quality work product. + Negotiates repair prices with repair facilities and secures agreed prices for repairs. Maintains a list of company approved part suppliers and uses these firms whenever possible/applicable to control the cost of repairs and to ensure quality work. May visit repair shops to evaluate physical plant, quality of work and may provide a list of garage or repair facilities to insured if allowed by state law. + Negotiates settlements in a timely manner as assigned. Ensures equitable and fair payment of physical damage losses within authority granted. Obtains all necessary documentation to substantiate the appraisal and/or settlement being offered. **Position Qualifications:** + High School Diploma required. + 2 - 3 years of field appraiser experience or 3 - 5 years of auto repair/body shop experience required. + Strong customer service experience required. + Must have good computer skills. + Must have good planning and organizing skills. + Must have good written and verbal communication skills. Some positions may require specific bilingual skills. + Must have the ability to effectively deal with conflict. + This is a remote position working in the West Los Angeles, CA area. The range for this position is $25.58 to $42.60. When determining candidate offers, we consider experience, skills, education, certifications, and geographic location among other factors. This job is eligible for an annual discretionary bonus and Kemper benefits (Medical, Dental, Vision, PTO, 401k, etc.) Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper is focused on expanding our Diversity, Equity, and Inclusion efforts to align with our vision, mission, and guiding principles. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it. \#LI-MV1 **Kemper at a Glance** The Kemper family of companies is one of the nation's leading specialized insurers. With approximately $12 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses through its Kemper Auto and Kemper Life brands. Kemper serves over 4.6 million policies, is represented by approximately 24,200 agents and brokers, and has approximately 7,500 associates dedicated to meeting the ever-changing needs of its customers. *Alliance United Insurance Company is not rated. _We value diversity and strive to be an employer of choice. An Equal Opportunity Employer, M/F/D/V_ **Our employees enjoy great benefits:** - Qualify for your choice of health and dental plans within your first month. - Save for your future with robust 401(k) match, Health Spending Accounts and various retirement plans. - Learn and Grow with our Tuition Assistance Program, paid certifications and continuing education programs. - Contribute to your community through United Way and volunteer programs. - Balance your life with generous paid time off and business casual dress. - Get employee discounts for shopping, dining and travel through Kemper Perks.

As a Property Field Appraiser, you will be responsible for meeting virtually or in-person with the policyholder at their home to investigate, assess and facilitate remediation and repair decisions on residential property damage claims. Regularly negotiating and reaching agreement with vendors and contractors on repair operations while applying policy contract provisions to resolve claims timely and accurately. This is a task-based position, which refers to being assigned the field and/or virtual inspection portion of the claim to determine the scope of repairs and prepare a complete estimate that involves all aspects of the damaged dwelling and other structures on the claim. You partner and work as a team with the Claim Owner to address the policyholder's needs to complete the claim. Superior verbal and written communication skills are essential to communicate as required throughout the claims process. Must be able to work independently with minimal management involvement and possess excellent time-management skills. Periodic (less than 10%) travel within California may be required as well when needed. What are the duties and responsibilities of this position: Provide superior customer service to our policyholders while working autonomously in the field and based in your home-office. Communicating daily with customers to schedule inspections, walking them through the repair process and helping them get back to the place they were before their loss. Regularly assessing damages and completing estimates through computer based estimating software and reaching agreements on scope and cost of repairs with customers and/or their representative both in person, virtually and via phone. Accurately document activity and secure claim information within our claim's system. Complete file summaries and action plans on newly assigned tasks with appropriate updates throughout the life of the claim. Responsible for compliance with state insurance regulations and company claims handling guidelines at all times. What background, credentials and skills are needed to be successful in this position: • College degree or prior applicable work experience required • Bilingual in Spanish a plus • Having a current California adjuster license, a plus • Excellent organization and time management skills • Solid analytical skills • Ability to make timely and accurate decisions • Strong negotiation skills • Ability to work independently with minimal management oversight • Work Location: Regularly in Field and from Home Office. • Must have a valid California driver's license with an acceptable driving record for this position. Other Important Information: Location(s) - Greater Los Angeles Area (FULLY REMOTE) Competitive Compensation - Salaries will be established commensurate with experience Benefits - Protection is the name of the game in the insurance industry, and we believe in benefit plans that offer protection to our employees for medical, dental, vision, life, disability and retirement plans. Our 401k plan and company match are second to none. The company will make a matching contribution equal to 60% of your salary qualified deferral contribution! Pacific Specialty Insurance Company is a member of the McGraw Group of Affiliated Companies Pacific Specialty Insurance Company is an equal opportunity employer Company's privacy policy can be found on their website, ********************************* under the careers tab.

Who We AreJoin a team that puts its People First! As member of First American's family of companies, Mortgage Solutions provides lenders with solutions to originate, close and service quality loans. Since 1889, First American (NYSE: FAF) has held an unwavering belief in its people. They are passionate about what they do, and we are equally passionate about fostering an environment where all feel welcome, supported, and empowered to be innovative and reach their full potential. Our inclusive, people-first culture has earned our company numerous accolades, including being named to the Fortune 100 Best Companies to Work For list for ten consecutive years. We have also earned awards as a best place to work for women, diversity and LGBTQ+ employees, and have been included on more than 50 regional best places to work lists. First American will always strive to be a great place to work, for all. For more information, please visit **************************** We DoSeeking Certified Residential Appraisers living in and experienced in the Cincinnati Ohio region. What You'll Do Conducts an unbiased and impartial valuation of residential real estate by analyzing market and property specific data, and completes appraisal reports in accordance with USPAP, government, company, regulatory board, and client specific guidelines. Inspects residential real estate of all types and documents on-site data collection/inspection with photographs, measurements, sketches, diagrams, and field notes. Considers all factors that could influence property value including, but not limited to legal characteristics, highest and best use, market conditions, locational factors, site, view, design, quality, age, condition, size, physical attributes, etc. Must be proficient sales comparison, cost, and income approaches to value. Must pe proficient with local MLS and local real estate data sources. Must be proficient with major form types (1004, 2055, 1073, 1075, 1025, Review Forms, etc.) Partners with Senior Appraisers/Appraisal Helpdesk to ensure quality at an assignment level, and also to make individual process improvements to eliminate addendums and quality control rejections. Participates in monthly Appraiser meeting. Meets all department turn time expectations and proactively escalates appropriately if timeframes are unable to be met. What You'll Bring Ability to work within varying client-driven requirements and deadlines Exceptional analytical and narrative writing skills Ability to analyze data, draw sound conclusions and summarize results for various audiences. Detail oriented and self-motivated Must be able to work in a fast paced, accurate environment Must have good communication skills, both written and verbal, and must be able to deliver a clear and understandable message to a variety of audiences including appraisers, vendors and operational staff Good organizational skills with the ability to multi-task, prioritize and follow up Preferred experience in REO appraisals HUD/FHA experience preferred Active Appraiser Certification as required by state's regulatory agency Appraiser should have zero disciplinary actions within past +/-10 years. Valid Drivers License This position pays a state minimum wage draw against a percentage fee split. This hiring range is a reasonable estimate of the base pay range for this position at the time of posting. Pay is based on a number of factors which may include job-related knowledge, skills, experience, business requirements and geographic location. What We OfferBy choice, we don't simply accept individuality - we embrace it, we support it, and we thrive on it! Our People First Culture celebrates diversity, equity and inclusion not simply because it's the right thing to do, but also because it's the key to our success. We are proud to foster an authentic and inclusive workplace For All. You are free and encouraged to bring your entire, unique self to work. First American is an equal opportunity employer in every sense of the term.Based on eligibility, First American offers a comprehensive benefits package including medical, dental, vision, 401k, PTO/paid sick leave and other great benefits like an employee stock purchase plan.

Job Description We are a leading Commercial TPA providing performance-based damage appraisal solutions dedicated to partnering with our customers to increase the efficiency of the overall claim process. As an Auto Damage Field Appraiser under moderate supervision, this remote position will appraise the value and cost of damage to autos, trucks, and heavy equipment. The position will manage appraisals to completion and provide quality customer service throughout the appraisal process while maintaining compliance with internal and external quality standards and state-specific regulations. Compensation: $70,000 - $82,500 yearly Responsibilities: Inspect, photograph, and appraise damage to autos, trucks, and equipment that have been damaged in an accident or weather-related loss. Provide quality customer service and ensure appraisal quality, timely inspections, and communication with claims adjusters and insureds. Complete auto repair facility and independent re-inspections, supplements as warranted to verify damage and confirm repairs are completed. Provide technical advice on vehicle repair, parts costs, and garage or body shop expertise. Apply established appraisal protocols and metrics to all estimates, document the rationale for any departure from applicable protocols and metrics, with or without assistance. Evaluate all claims for subrogation and salvage recovery potential. Document and communicate the potential to the assigned claim adjuster. Approximately 25% travel, which may require some overnight stays. Qualifications: Auto Physical Damage Appraisal experience. Must have body shop experience and/or be familiar with the field appraiser/insurance industries. On-site Catastrophe appraisal experience preferred. About Company Our mission is to organically grow our independent agency to assist as many clients as possible and mitigate risk. We execute at the highest level from day one to every day moving forward. We set the gold standard in success, continuously raising the bar as we change the way the industry thinks about products and services.

National General is a part of The Allstate Corporation, which means we have the same innovative drive that keeps us a step ahead of our customers' evolving needs. We offer home, auto and accident and health insurance, as well as other specialty niche insurance products, through a large network of independent insurance agents, as well as directly to consumers. Job Description Responsible for creating a comprehensive estimate of damages for 1st and 3rd party material damage claims leading to the proper disposition. This role is utilized as a peer mentor having mastered our processes and obtained technical expertise. Position is a field claims position in Brooklyn and Queens NY.**National General is seeking an Auto Field Damage Estimator with strong time management skills, proficiency in CCC ONE estimating software, excellent negotiation abilities, and keen attention to detail. This is a WFH field-based, territory-specific role, and the ideal candidate will be located in New York, residing in the Brooklyn and Queens areas.**Key Responsibilities • Applies mastered content in interpretations of all policy types written by the company and assists leadership in formal and ad hoc training • Negotiates settlements, makes settlement payments and documents all activities in the most complex of files • Interprets regulatory compliance and fair claims practices • Builds mastered relationships with both internal and external customers • Exhibits mastery estimating fundamentals in order to create estimates of damages on 1st and 3rd party material damage losses of all severities Supervisory Responsibilities • This job does not have supervisory duties. Position is work from home but field based in indicated NY market. Valid NY appraiser license is a requirement in the role. #LI-TR1 Compensation Base compensation offered for this role is $31.97 - $43.85 hourly and is based on experience and qualifications. Total compensation for this role is comprised of several factors, including the base compensation outlined above, plus incentive pay (i.e. commission, bonus, etc.) as applicable for the role. Joining our team isn't just a job - it's an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger - a winning team making a meaningful impact. Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component. For jobs in San Francisco, please click “here” for information regarding the San Francisco Fair Chance Ordinance. For jobs in Los Angeles, please click “here” for information regarding the Los Angeles Fair Chance Initiative for Hiring Ordinance. To view the “EEO Know Your Rights” poster click “here”. This poster provides information concerning the laws and procedures for filing complaints of violations of the laws with the Office of Federal Contract Compliance Programs. To view the FMLA poster, click “here”. This poster summarizing the major provisions of the Family and Medical Leave Act (FMLA) and telling employees how to file a complaint. It is the Company's policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee's ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment. National General Holdings Corp., a member of the Allstate family of companies, is headquartered in New York City. National General traces its roots to 1939, has a financial strength rating of A- (excellent) from A.M. Best, and provides personal and commercial automobile, homeowners, umbrella, recreational vehicle, motorcycle, supplemental health, and other niche insurance products. We are a specialty personal lines insurance holding company. Through our subsidiaries, we provide a variety of insurance products, including personal and commercial automobile, homeowners, umbrella, recreational vehicle, supplemental health, lender-placed and other niche insurance products. Companies & Partners Direct General Auto & Life, Personal Express Insurance, Century-National Insurance, ABC Insurance Agencies, NatGen Preferred, NatGen Premier, Seattle Specialty, National General Lender Services, ARS, RAC Insurance Partners, Mountain Valley Indemnity, New Jersey Skylands, Adirondack Insurance Exchange, VelaPoint, Quotit, HealthCompare, AHCP, NHIC, Healthcare Solutions Team, North Star Marketing, Euro Accident. Benefits National General Holdings Corp. is an Equal Opportunity (EO) employer - Veterans/Disabled and other protected categories. All qualified applicants will receive consideration for employment regardless of any characteristic protected by law. Candidates must possess authorization to work in the United States, as it is not our practice to sponsor individuals for work visas. In the event you need assistance or accommodation in completing your online application, please contact NGIC main office by phone at **************.

Full-time Description HCA Asset Management is looking for our next Commercial Insurance Appraisers. Are you a Claims Adjuster in the Insurance field yearning for an opportunity to belong to something better? Are you located in the Eastern USA (OH, MI, IN, PA, VA, MA, VT, NC, TN, GA etc)? This is a fully remote position. HCA is a consulting and appraisal firm offering inventory and appraisal services to corporate, university, and governmental clients throughout the United States. We believe that our customers are our friends and that doing the right thing never goes out of style. As a Commercial Appraiser, you will learn from the best in the business, have fun doing it, and be rewarded for your performance. We are proud to offer the best benefits in the business along with an environment where only YOU will limit your growth potential. As a Commercial Appraiser with HCA, a typical day might include: Inspecting commercial buildings and collecting data on structure characteristics In-office pricing using collected field data and industry-standard methodologies Interfacing directly with clients to discuss project scope and findings Working with senior team members to hone appraisal skills and produce client deliverables Conducting field inventory of client movable equipment and assets Requirements As a new team member with HCA, you will need to: Exhibit a proven ability to work independently in a remote environment Be 100% committed to delivering the best experience to HCA Clients Be a critical thinker, and thrive on learning new things Enjoy solving problems and improving internal and external processes Effectively communicate with clients and team members Feel comfortable communicating with customers and coworkers of any level Be detail oriented and extremely organized, including regular documentation Travel for assignments, including out-of-state, 50%-70% of the time Hold an associate's degree or higher or similar work experience Have a high level of expertise in Excel Bonus if you have skills or experience in any of these: Construction cost estimating, or prior commercial appraisal experience Engineering or blueprint reading Claims Adjuster (Property, Vehicles, Equipment, etc) Bachelor's degree in a related field Property Insurance Underwriting and/or Claims (commercial preferred) Knowledge of Water / Wastewater Industry Experience in Public Entity operations HCA Asset Management is a 40-year-old privately owned group of Appraisers and Capital Asset experts. We offer a competitive benefit package, including health insurance and 401k plan. And most of our jobs are 100% remote! Salary Description $50,000-$65,000

Experience more with a career at COUNTRY Financial! We're excited you're interested in a career at COUNTRY as we strive toward our vision - to enrich lives in the communities we serve. Our footprint spans coast to coast. But more important than where we operate, is the people who do the work. Apply today to help our organization grow and make a difference for our clients. About the role Inspects damaged vehicles and prepares itemized damage appraisals outlining cost of parts, materials, and labor necessary to restore vehicles to their pre-damage condition. Determines if damages are sufficient to declare the vehicle a total loss.How does this role make an impact?- Communicates with vehicle owners to promptly schedule physical inspections of damaged vehicle. - Completes physical inspections of damaged property, when necessary, evaluates damages and prepares written estimates in accordance with applicable policy coverage. Audits/reviews body shop and independent appraiser estimates, supplements and subrogation documentation relative to claims guidelines and procedures. - Communicates all information obtained to involved parties, negotiates and settles claims within prescribed authority. Maintains professional working relationships with body shops, vendors and internal customers.Do you have what we're looking for? Typically requires 7+ years of relevant experience or a combination of related experience, education and training. This position allows full-time field work within the territory for this position which includes Statesboro, Savannah, Brunswick, Kingsland, Waycross, Vidalia and surrounding areas. #LI-CORP Base Pay Range: $60,400-$83,050 The base pay range represents the typical range of potential salary offers for candidates hired. Factors used to determine your actual salary include your specific skills, qualifications and experience. Incentive Pay: In addition to base salary, this position is eligible for a Short-Term Incentive plan. Why work with us? Our employees and representatives serve nearly one million households with our diverse range of personal and business insurance products as well as retirement and investment services. We build relationships and work together to create a stronger, more secure future for our clients and our communities. We're a big company, yet small enough you can make an impact and won't get lost in the shuffle. You'll have the opportunity to learn and grow throughout your career, either within this role or by exploring other areas of our business. You'll be able to take advantage of our benefits package, which includes insurance benefits (medical, dental, vision, disability, and life), 401(k) with company match. COUNTRY Financial is committed to providing equal opportunity in all areas of employment, and in providing employees with a work environment free of discrimination and harassment. Employment decisions are made without regard to race, color, religion, age, gender, sexual orientation, veteran status, national origin, disability, or any other status protected by applicable laws or regulations. Come join our team at COUNTRY today!

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-AT1 #LI-Hybrid

Who is Federated Insurance? At Federated Insurance, we do life-changing work, focused on our clients' success. For our employees, we provide tremendous opportunities for growth. Over 95% of them believe our company has an outstanding future. We make lives better, and we're looking for employees who want to make a difference in others' lives, all while enhancing their own. Federated's culture is grounded in our Four Cornerstones: Equity, Integrity, Teamwork, and Respect. We strive to create a work environment that embodies our values and commitment to diversity and inclusion. We value and respect individual differences, and we leverage those differences to achieve better results and outcomes for our clients, employees, and communities. Our top priority in recruitment and development of our next generation is to ensure we align ourselves with truly exceptional people who share these values. What Will You Do? As an Auto Damage Appraiser, you will investigate, evaluate, negotiate and resolve auto material damage claims in a fair, prompt and equitable manner. You are a source of knowledge in auto and material damage with a focus on heavy trucks and trailers. When faced with the destructive aftermath of an accident, you help clients through the claims process. Federated provides a defined training program to teach you the fundamentals of commercial claims and prepare you to serve clients. This is a remote/home-based position that will require travel by car and/or plane frequently. Roughly 50% of your time will be spend traveling. Frequent overnight travel and occasional multi-night travel included. Responsibilities * Evaluates claims, determines validity of coverage, and conducts investigation. Determines extent of damage through inspection of vehicles and other equipment. Prepares written estimate of repair costs and/or conducts an investigation to determine actual cash value. * Negotiates directly with clients and third parties. Obtains and evaluates written and recorded salvage bids in total loss cases. Photographs damaged property as necessary to reflect the scope of the damage and the identity of the damaged property. * Documents all investigations conducted and action taken to provide a complete, accurate, and self-sustaining record for future reference. * Keeps technical manuals and electronic reference materials updated. Maintains knowledge of industry developments, repair techniques, and procedures. * Plans and schedules work itinerary to make the most effective use of travel time. Minimum Qualifications * Prefer industry experience with heavy trucks & trailers with an interest in deepening industry and estimating knowledge * Prefer two years' automotive body experience or vocational training in related field, demonstrating basic understanding of automobile body parts or a four year degree * Must demonstrate the ability to proficiently and effectively manage assigned claims with minimum work direction. Prefer two years customer service experience * Strong analytical, computer and time management skills * Excellent written and verbal communication skills * Valid driver's license and acceptable driving record * Current pursuing, or have obtained a four-year degree Physical Demand / Work Environment * Travel by car and/or plane frequently, including overnight and occasional multi-night travel * Work indoors and outdoors with exposure to noise, heat and/or cold * Occasionally adjust work schedule and/or work extra hours including evenings and weekends. * Must have physical mobility, vision, and hearing necessary to traverse and evaluate claims damage Salary Range: $67,900 - $82,900 Pay may vary depending on job-related factors and individual experience, skills, knowledge, etc. More information can be discussed with a with a member of the Recruiting team. What We Offer We offer a wide variety of ways to support you as a whole, both professionally and personally. Our commitment to your growth includes opportunities for internal mobility and career development paths, inspiring excellence in performance and ensuring your professional journey thrives. Additionally, we offer exceptional benefits to nurture your personal life. We understand the importance of health and financial security, offering encompassing competitive compensation, enticing bonus programs, cost-effective health insurance, and robust pension and 401(k) offerings. To encourage community engagement, we provide paid volunteer time and offer opportunities for gift matching. Discover more about Federated and our comprehensive benefits package: Federated Benefits You. Employment Practices All candidates must be legally authorized to work in the United States for any employer. Federated will not sponsor candidates for employment visa status, such as an H1-B visa. Federated does not interview or hire students or recent graduates with J-1 or F-1 visas or similar temporary work authorization. If California Resident, please review Federated's enhanced Privacy Policy.

Who is Federated Insurance? At Federated Insurance, we do life-changing work, focused on our clients' success. For our employees, we provide tremendous opportunities for growth. Over 95% of them believe our company has an outstanding future. We make lives better, and we're looking for employees who want to make a difference in others' lives, all while enhancing their own. Federated's culture is grounded in our Four Cornerstones: Equity, Integrity, Teamwork, and Respect. We strive to create a work environment that embodies our values and commitment to diversity and inclusion. We value and respect individual differences, and we leverage those differences to achieve better results and outcomes for our clients, employees, and communities. Our top priority in recruitment and development of our next generation is to ensure we align ourselves with truly exceptional people who share these values. What Will You Do? As an Auto Damage Appraiser, you will investigate, evaluate, negotiate and resolve auto material damage claims in a fair, prompt and equitable manner. You are a source of knowledge in auto and material damage with a focus on heavy trucks and trailers. When faced with the destructive aftermath of an accident, you help clients through the claims process. Federated provides a defined training program to teach you the fundamentals of commercial claims and prepare you to serve clients. This is a remote/home-based position that will require travel by car and/or plane frequently. Roughly 50% of your time will be spend traveling. Frequent overnight travel and occasional multi-night travel included. Responsibilities Evaluates claims, determines validity of coverage, and conducts investigation. Determines extent of damage through inspection of vehicles and other equipment. Prepares written estimate of repair costs and/or conducts an investigation to determine actual cash value. Negotiates directly with clients and third parties. Obtains and evaluates written and recorded salvage bids in total loss cases. Photographs damaged property as necessary to reflect the scope of the damage and the identity of the damaged property. Documents all investigations conducted and action taken to provide a complete, accurate, and self-sustaining record for future reference. Keeps technical manuals and electronic reference materials updated. Maintains knowledge of industry developments, repair techniques, and procedures. Plans and schedules work itinerary to make the most effective use of travel time. Minimum Qualifications Prefer industry experience with heavy trucks & trailers with an interest in deepening industry and estimating knowledge Prefer two years' automotive body experience or vocational training in related field, demonstrating basic understanding of automobile body parts or a four year degree Must demonstrate the ability to proficiently and effectively manage assigned claims with minimum work direction. Prefer two years customer service experience Strong analytical, computer and time management skills Excellent written and verbal communication skills Valid driver's license and acceptable driving record Current pursuing, or have obtained a four-year degree Physical Demand / Work Environment Travel by car and/or plane frequently, including overnight and occasional multi-night travel Work indoors and outdoors with exposure to noise, heat and/or cold Occasionally adjust work schedule and/or work extra hours including evenings and weekends. Must have physical mobility, vision, and hearing necessary to traverse and evaluate claims damage Salary Range: $67,900 - $82,900 Pay may vary depending on job-related factors and individual experience, skills, knowledge, etc. More information can be discussed with a with a member of the Recruiting team. What We Offer We offer a wide variety of ways to support you as a whole, both professionally and personally. Our commitment to your growth includes opportunities for internal mobility and career development paths, inspiring excellence in performance and ensuring your professional journey thrives. Additionally, we offer exceptional benefits to nurture your personal life. We understand the importance of health and financial security, offering encompassing competitive compensation, enticing bonus programs, cost-effective health insurance, and robust pension and 401(k) offerings. To encourage community engagement, we provide paid volunteer time and offer opportunities for gift matching. Discover more about Federated and our comprehensive benefits package: Federated Benefits You. Employment Practices All candidates must be legally authorized to work in the United States for any employer. Federated will not sponsor candidates for employment visa status, such as an H1-B visa. Federated does not interview or hire students or recent graduates with J-1 or F-1 visas or similar temporary work authorization. If California Resident, please review Federated's enhanced Privacy Policy. We can recommend jobs specifically for you! Click here to get started.

Job Title: Auto Damage Appraiser - Future Opportunity Company: Snapsheet Job Type: Full Time Snapsheet exists to simplify claims . We leverage our expertise in virtual estimating and innovative claims management technology, transforming the end-to-end claims process - delivering faster, modern experiences for claims organizations of all sizes. What you'll get: Remote working environment - your new commute is however long it takes to walk to your desk! Flexibility - empathy is ingrained in who we are and we are happy to offer a flexible PTO policy, casual dress code, and more! Development - Mentorship programs, 1-on-1 management, promote when ready culture, quarterly internal promotion opportunities, and goal setting sessions. Fun - Celebrations just because, yearly in-person and remote events, Snapsheet Swag, Employee Resource Groups, and more! About the role: As an Auto Damage Appraiser at Snapsheet, you are highly competitive and motivated by constant improvement. You are an effective communicator, whether you are emailing a request to your peer or talking with a body shop. You love working in an ever-evolving environment where openness to feedback and the ability to adapt is highly valued. You are a strong problem solver, identifying and resolving the day-to-day challenges involved in writing estimates as well as solving more complex problems. You want to work for a company where you can make a real impact and do it all from the comfort of your home office! Not licensed? We will license you prior to starting. Is this you? Keep reading for more detail. Responsibilities: Write fair and accurate estimates and supplements for multiple carriers based on photos of auto and/or specialty vehicle physical damage that comply fully with insurance carrier guidelines Utilize internal training tools and external resources to clearly document every claim with high attention to detail Maintain documentation of all interactions with insurance carriers as well as their customers Work effectively with repair facilities while maintaining a positive and professional demeanor Manage and maintain virtual relationships with teammates, managers, and directors while working remotely from home Qualifications: We are seeking self-motivated, competitive go-getters to join this growing team. You will be working within a remote production-based environment and will be responsible for managing numerous claims for 120+ carriers across the US and Canada. Minimum of 2 years of auto damage estimating experience Extensive knowledge of automobile parts and repair techniques Thorough understanding of vehicle repair, parts costs, total loss classification, and fraud detection practices Understands basic insurance principles and how they apply to estimating decisions Working experience in one or more estimating platforms: Mitchell, CCC One, and/or Audatex Ability to work in a fast-paced, deadline-driven environment Desire to thrive in a remote, production-based environment Benefits & Perks: Work from home Competitive compensation Company training provided to expand your estimating skillset Ability to write claims for multiple carriers and vehicle types Growth and advancement opportunities with promotion opportunities quarterly Generous Paid Time Off Policy 4% match on our 401K Medical, dental, and vision coverage Additional Information: This role will be remote based in the U.S. but is not eligible for hire in CA, CO, NY, WA, KY, MT, WY, MA, OR, IL, HI, UT, or AK. Want to learn more about Estimating at Snapsheet? Follow the link here: ******************************************************************* To ensure a fair and efficient hiring process, we kindly ask candidates to apply no more than once every six months. This allows us to manage applications effectively and gives you ample time to update your experience and skills before reapplying. #LI-Remote #BI-Remote Snapsheet is an equal opportunity employer.

Benefits/Perks Careers Advancement Opportunities Flexible Scheduling Competitive Compensation Are you an auto industry professional with knowledge of auto body repair. If yes, and you would like to supplement your income or work part time during traditional business hours please review this ad. Benefits/Perks Careers Advancement Opportunities Flexible Scheduling Competitive Compensation You will perform field inspections, inventory audits and verifications throughout the United States and Canada. Our passion is to reduce clients' risk and our independent contractors contribute to this success! As an Independent Contractor you can perform multiple contracts in a day. Contracts start at $25 and up, with potential to earn more depending on your availability to schedule and accept contracts. Contract Requirements Include: Traveling varying distances to conduct inspections or physical inventories. Utilizing our proprietary software to complete reports. Identifying equipment, locating Serial/VIN numbers and documenting changes. Reconcile any missing units using Dealer records. Submitting completed reports within given time frame. Contractor Skills and Qualifications: Must be comfortable using computers and mobile applications on a smartphone or tablet. Flexible schedule and available during business hours. Reliable transportation and a valid driver's license. Professional business appearance, demeanor, and good communication skills. Take online certifications to become familiarized with our client's expectations. Transferable Experience: Home Inspector Mortgage Inspector Insurance Adjuster Notary Merchandiser ***United States applicants only Flexible work from home options available. Compensation: $35,000.00 - $75,000.00 per year Global Staffing Service's objective is to provide highly qualified contract, contract-to-hire and direct-hire staff to our clients. We understand the technical requirements of the positions you need to staff and the importance of delivering a cost-effective solution in a timely manner. We custom-tailor a candidate search based on your specific needs. We will advise you on the ideal candidate profile and compensation package to attract the right people. We recruit nationwide, check references and mediate negotiations. Our particular focus includes but not limited to: (in no particular order) Executives Outside Sales Professionals Inside Sales Professionals Regional Managers Area Managers IT Professionals Finance Professionals Engineering Professionals Manufacturing Professionals Distribution Health Services We currently have over 500 positions available. Although this is a moving target, it constitutes the average number of openings at any given time.

As a Property Field Appraiser, you will be responsible for meeting virtually or in-person with the policyholder at their home to investigate, assess and facilitate remediation and repair decisions on residential property damage claims. Regularly negotiating and reaching agreement with vendors and contractors on repair operations while applying policy contract provisions to resolve claims timely and accurately. This is a task-based position, which refers to being assigned the field and/or virtual inspection portion of the claim to determine the scope of repairs and prepare a complete estimate that involves all aspects of the damaged dwelling and other structures on the claim. You partner and work as a team with the Claim Owner to address the policyholder's needs to complete the claim. Superior verbal and written communication skills are essential to communicate as required throughout the claims process. Must be able to work independently with minimal management involvement and possess excellent time-management skills. Periodic (less than 10%) travel within California may be required as well when needed. What are the duties and responsibilities of this position: Provide superior customer service to our policyholders while working autonomously in the field and based in your home-office. Communicating daily with customers to schedule inspections, walking them through the repair process and helping them get back to the place they were before their loss. Regularly assessing damages and completing estimates through computer based estimating software and reaching agreements on scope and cost of repairs with customers and/or their representative both in person, virtually and via phone. Accurately document activity and secure claim information within our claim's system. Complete file summaries and action plans on newly assigned tasks with appropriate updates throughout the life of the claim. Responsible for compliance with state insurance regulations and company claims handling guidelines at all times. What background, credentials and skills are needed to be successful in this position: • College degree or prior applicable work experience required • Bilingual in Spanish a plus • Having a current California adjuster license, a plus • Excellent organization and time management skills • Solid analytical skills • Ability to make timely and accurate decisions • Strong negotiation skills • Ability to work independently with minimal management oversight • Work Location: Regularly in Field and from Home Office. • Must have a valid California driver's license with an acceptable driving record for this position. Other Important Information: Location(s) - Greater San Francisco Bay Area (FULLY REMOTE) Competitive Compensation - Salaries will be established commensurate with experience Benefits - Protection is the name of the game in the insurance industry, and we believe in benefit plans that offer protection to our employees for medical, dental, vision, life, disability and retirement plans. Our 401k plan and company match are second to none. The company will make a matching contribution equal to 60% of your salary qualified deferral contribution! Pacific Specialty Insurance Company is a member of the McGraw Group of Affiliated Companies Pacific Specialty Insurance Company is an equal opportunity employer. Company's privacy policy can be found on their website, ********************************* under the careers tab.

Benefits/Perks Careers Advancement Opportunities Flexible Scheduling Competitive Compensation Are you an auto industry professional with knowledge of auto body repair. If yes, and you would like to supplement your income or work part time during traditional business hours please review this ad. Benefits/Perks Careers Advancement Opportunities Flexible Scheduling Competitive Compensation You will perform field inspections, inventory audits and verifications throughout the United States and Canada. Our passion is to reduce clients' risk and our independent contractors contribute to this success! As an Independent Contractor you can perform multiple contracts in a day. Contracts start at $25 and up, with potential to earn more depending on your availability to schedule and accept contracts. Contract Requirements Include: Traveling varying distances to conduct inspections or physical inventories. Utilizing our proprietary software to complete reports. Identifying equipment, locating Serial/VIN numbers and documenting changes. Reconcile any missing units using Dealer records. Submitting completed reports within given time frame. Contractor Skills and Qualifications: Must be comfortable using computers and mobile applications on a smartphone or tablet. Flexible schedule and available during business hours. Reliable transportation and a valid driver's license. Professional business appearance, demeanor, and good communication skills. Take online certifications to become familiarized with our client's expectations. Transferable Experience: Home Inspector Mortgage Inspector Insurance Adjuster Notary Merchandiser ***United States applicants only Flexible work from home options available. Compensation: $35,000.00 - $75,000.00 per year Global Staffing Service's objective is to provide highly qualified contract, contract-to-hire and direct-hire staff to our clients. We understand the technical requirements of the positions you need to staff and the importance of delivering a cost-effective solution in a timely manner. We custom-tailor a candidate search based on your specific needs. We will advise you on the ideal candidate profile and compensation package to attract the right people. We recruit nationwide, check references and mediate negotiations. Our particular focus includes but not limited to: (in no particular order) Executives Outside Sales Professionals Inside Sales Professionals Regional Managers Area Managers IT Professionals Finance Professionals Engineering Professionals Manufacturing Professionals Distribution Health Services We currently have over 500 positions available. Although this is a moving target, it constitutes the average number of openings at any given time.