Metro Detroit Field Property Claim Specialist

AAA-The Auto Club Group•Detroit, MI

8d•$70,000 - $85,000•Hybrid

About The Position

The Field Property Claim Specialist serves the Metro Detroit area, including Wayne, Oakland, and Macomb counties. The specialist investigates property claims, inspects damage, analyzes coverage, evaluates losses, and works directly with homeowners and other affected parties to provide service and fair claim resolutions. Field claims handled by this role are valued over $100,000. The position prepares and reviews damage estimates using claims software and may monitor contractor repairs or assist with file reviews and training. This is a hybrid field role with a Monday–Friday schedule of 8:30 a.m.–5:30 p.m. Day-to-day operations may be performed remotely from a home office, with travel to field locations as needed; the work arrangement may change under ACG’s Flex Work policy. Travel outside the assigned territory, including overnight stays, may be required. The role may also require relocation or work in the evenings or on weekends. The position offers an annual salary of $70,000–$85,000, eligibility for an annual company bonus incentive, and a $2,500 sign-on bonus for qualified candidates. ACG describes a benefits package that includes health coverage, retirement and savings plans, paid time off and leave, education and certification assistance, and other perks.

Requirements

Complete the ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
Where required by the state, be eligible to acquire a State Adjuster’s license within 90 days of hire and maintain it as specified for applicable states.
Hold a valid State Driver’s License.
Have three years of experience or equivalent training in negotiating claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, subrogation claims, resolving coverage questions, taking statements, and establishing clear claim evaluation and resolution plans.
Have advanced knowledge of the Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, subrogation procedures and processes, intercompany arbitration, handling simple litigation, and building construction and repair techniques.
Handle claims according to Claim Handling Standards and follow and apply ACG Claim policies, procedures, and guidelines.
Work within assigned ACG Claim systems, including basic PC software; perform basic claim file reviews and investigations.
Demonstrate effective verbal and written communication and customer-service skills, including building and maintaining relationships with insureds and claimants and responding to their questions and concerns.
Analyze and solve problems, make sound decisions, prioritize claim-related functions, and process time-sensitive information from multiple sources.
Manage time and organize and plan workload and responsibilities.
Safely operate a motor vehicle for work-related travel.
Research, analyze, and interpret subrogation laws in various states.
Be able to travel outside the assigned territory, potentially with overnight stays, and relocate or work evenings or weekends as needed.
Regular and reliable attendance is essential.
Consent to a background and drug screen if offered employment.

Nice To Haves

Associate degree in Business Administration, Insurance, or a related field, or equivalent related work experience.
Completion of the Insurance Institute of America’s General Insurance Program, an associate degree in claims or management, or equivalent.
CPCU coursework or designation.
Xactware training.
One to two 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.
Ability to walk on roofs, climb ladders, and lift up to 25 pounds.

Responsibilities

Review assigned claims and contact insureds and other affected parties.
Set expectations for the claim process and initiate documentation in the claim handling system.
Conduct complex coverage analysis and identify all applicable policyholder benefits.
Create additional sub-claims when needed.
Investigate claim facts to determine whether claims should be paid, applicable limits or exclusions, and potential recovery opportunities.
Review damage thoroughly and determine the applicability of state law and other claim-related factors.
Evaluate the financial value of losses and approve payments to appropriate parties.
Refer claims to other company units when necessary, including Underwriting, Recovery Units, and the Claims Special Investigation Unit.
Document and code claim files thoroughly and complete claim closure and related activities in the assigned claims management system.
Use negotiation skills to resolve claims.
Investigate claims requiring in-depth coverage analysis.
Prepare damage estimates using claims software and review estimates for accuracy.
Monitor contractor repair status when needed.
Assist the Claim Manager with file reviews and training when needed.
Travel to field locations, including repair facilities and homes, to perform inspections and other claim duties.

Benefits

$2,500 sign-on bonus for qualified candidates.
Annual company bonus incentive opportunity.
Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program.
Company-paid basic life insurance and optional supplemental life insurance and dependent coverage.
Short- and long-term disability coverage.
Optional critical illness, accident, and pet insurance.
401(k) plan with company matching contributions and an additional company contribution, subject to eligibility and vesting terms.
Health Savings Account and Flexible Spending Account options.
Accrual-based paid time off.
Company-paid holidays, a mental health day, floating holidays, and a volunteer day for eligible employees.
Paid parental, bereavement, jury duty, and military leave.
Tuition assistance.
Professional certification support with 100% reimbursement for eligible programs.
Career development and advancement opportunities.
Complimentary AAA membership with roadside assistance and travel discounts.
Adoption assistance program.