Metro Detroit Field Property Claim Specialist

Auto Club Group • Detroit, MI

3d • Hybrid

About The Position

Metro Detroit Field Property Claim Specialist -AAA The Auto Club Group Reports to: Claim Manager as appropriate. This role requires candidates to reside within a commutable distance of the Oakland County Detroit, Michigan area and possess a valid state driver's license. The specialist will handle complex technical issues and complex claims under minimal supervision with high-level approval authority. They will review assigned claims, contact the insured and other affected parties, set expectations, and initiate documentation in the claim handling system. Responsibilities include complex coverage analysis, identifying policyholder benefits, creating sub-claims, investigating facts to determine claim validity, applicable limits, exclusions, and recovery potential. The role involves reviewing damages, determining the applicability of state law, evaluating loss value, approving payments, and referring claims to other units when necessary. Thorough documentation in the claims management system is essential, along with utilizing strong negotiating skills. Employees will be assigned to the Michigan Homeowner claim unit, handling claims generally valued between $10,000 and $75,000, and occasionally over $100,000 for field roles. Field claims require preparing damage estimates using Xactimate estimating software, reviewing estimates for accuracy, and potentially monitoring contractor repair status. The position 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.
• Possess a 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, Subrogation procedures and processes, Intercompany arbitration, 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
• Ability to Demonstrate effective communication skills (verbal and written)
• Ability to Demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns
• Ability to Analyze and solve problems while demonstrating sound decision-making skills
• Ability to Prioritize claim related functions
• Ability to Process time sensitive data and information from multiple sources
• Ability to Manage time, organize and plan workload and responsibilities
• Ability to Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.
• Ability to Research analyze and interpret subrogation laws in various states
• 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

• Work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims.
• Review assigned claims, Contacting 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

• A 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 and much more

What This Job Offers

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