Metro Detroit Field Property Claim Specialist

AAA-The Auto Club Group • Detroit, MI

9d • Hybrid

About The Position

Metro Detroit Field Property Claim Specialist - AAA The Auto Club Group. This role reports to the Claim Manager. The specialist will handle complex technical issues and complex claims under minimal supervision with high-level approval authority. Responsibilities include reviewing assigned claims, contacting the insured and other affected parties, setting expectations, initiating documentation, completing complex coverage analysis, identifying policyholder benefits, creating sub-claims, investigating claim facts to determine payment, applicable limits, exclusions, and recovery potential. The specialist will also review damages, determine the applicability of state law, evaluate loss value, approve payments, refer claims to other units when necessary, and thoroughly document claim files in the assigned claims management system. Strong negotiating skills are essential. Employees will be assigned to the Michigan Homeowner claim unit and will handle claims generally valued between $10,000 and $75,000, and occasionally over $100,000 for field roles. Field roles require preparing damage estimates using Xactimate estimating software, reviewing estimates for accuracy, and monitoring contractor repair status. The role requires the ability to lift up to 25 pounds, climb ladders, and walk on roofs.

Requirements

• Reside within a commutable distance of the Oakland County Detroit, Michigan area.
• Valid state driver's license.
• Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience.
• Completion of the Insurance Institute of America's: General Insurance Program, Associate in Claims, associate in management or equivalent CPCU coursework or designation.
• Xactware Training.
• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
• In states where an Adjuster’s license is required, the candidate must be eligible to acquire a State Adjuster’s license within 90 days of hire and maintain as specified for appropriate states.
• Ability to lift up to 25 pounds.
• Ability to climb ladders.
• Ability to walk on roofs.
• Three years of experience or equivalent training in the following: Negotiation of claim settlements, Securing and evaluating evidence, Preparing manual and electronic estimates, Subrogation claims, Resolving coverage questions, Taking statements, Establishing clear evaluation and resolution plans for claims.
• Advanced knowledge of Fair Trade Practices Act as it relates to claims.
• Advanced knowledge of Subrogation procedures and processes.
• Advanced knowledge of Intercompany arbitration.
• Advanced knowledge of Handling simple litigation.
• Advanced knowledge of building construction and repair techniques.
• Ability to handle claims to the line Claim Handling Standards.
• Ability to follow and apply ACG Claim policies, procedures and guidelines.
• Ability to work within assigned ACG Claim systems including basic PC software.
• Ability to perform basic claim file review and investigations.
• Demonstrate effective communication skills (verbal and written).
• Demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns.
• Analyze and solve problems while demonstrating sound decision-making skills.
• Prioritize claim related functions.
• Process time sensitive data and information from multiple sources.
• Manage time, organize and plan workload and responsibilities.
• Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.
• Research analyze and interpret subrogation laws in various states.
• May travel outside of assigned territory which may involve overnight stay.
• Resides in the State of Michigan only (Territory Specific: Wayne County, Oakland County and Washtenaw County).

Nice To Haves

• 1-2 years of full cycle homeowners claims handling experience.
• Experience handling personal property and additional living expense claims.
• Experience with internal water loss, fire, and smoke claims.

Responsibilities

• Handle complex technical issues and complex claims under minimal supervision with high-level approval authority.
• Review assigned claims, contact the insured and other affected parties, set expectations for the remainder of the claim process, and initiate documentation in the claim handling system.
• Complete complex coverage analysis.
• Ensure all possible policyholder benefits are identified.
• Create additional sub-claims if needed.
• Complete an investigation of the facts regarding the claim to further and in more detail determine if the claim should be paid, the applicable limits or exclusions and possible recovery potential.
• Conduct thorough reviews of damages and determine the applicability of state law and other factors related to the claim.
• Evaluate the financial value of the loss.
• Approve payments for the appropriate parties accordingly.
• Refer claims to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit).
• Thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system.
• Utilize strong negotiating skills.
• Handle claims generally valued between $10,000 and $75,000 and occasionally over $100,000 for field role.
• Investigate claims requiring coverage analysis.
• Prepare damage estimates using Xactimate estimating software.
• Review estimates for accuracy.
• Monitor contractor repair status and updates.
• Handle claims to the line Claim Handling Standards.
• Follow and apply ACG Claim policies, procedures and guidelines.
• Work within assigned ACG Claim systems including basic PC software.
• Perform basic claim file review and investigations.
• Demonstrate effective communication skills (verbal and written).
• Demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns.
• Analyze and solve problems while demonstrating sound decision-making skills.
• Prioritize claim related functions.
• Process time sensitive data and information from multiple sources.
• Manage time, organize and plan workload and responsibilities.
• Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.
• Research analyze and interpret subrogation laws in various states.
• May travel outside of assigned territory which may involve overnight stay.

Benefits

• Competitive annual salary between $68,000 - $80,000
• Medical, dental and vision benefits
• 401k Match
• Paid parental leave and adoption assistance
• Paid Time Off (PTO), company paid holidays, CEO days, and floating holidays
• Paid volunteer day annually
• Tuition assistance program, professional certification reimbursement program and other professional development opportunities
• AAA Membership Discounts, perks, and rewards

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree