Fremont Michigan Property Desk Claims Specialist

AAA-The Auto Club Group • Fremont, MI

21h • Remote

About The Position

It’s a great time to join AAA The Auto Club Group! The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America. By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance. This full-time, salary-exempt position is for a Property Desk Claims Specialist who will work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims. Responsibilities include reviewing assigned claims, contacting affected parties, setting expectations, initiating documentation, completing complex coverage analysis, identifying policyholder benefits, creating sub-claims, investigating facts, conducting thorough damage reviews, evaluating financial loss, approving payments, and referring claims to other units. The specialist will also thoroughly document and code claim files, complete closure activities, and utilize strong negotiating skills. For Homeowner/CAT claims, the role handles claims valued over $25,000 (inside desk) and over $100,000 (field role), investigating claims requiring in-depth coverage analysis. When in the field, the specialist will prepare and review damage estimates using claims software and may monitor contractor repair status or assist the Claim Manager with file reviews and training. The role reports to a Claim Manager.

Requirements

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
• Eligible to acquire a State Adjuster’s license within 90 days of hire and maintain as specified for appropriate states (in states where an Adjuster’s license is required)
• A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members
• Three years of experience or equivalent training in negotiation of claim settlements
• Three years of experience or equivalent training in securing and evaluating evidence
• Three years of experience or equivalent training in preparing manual and electronic estimates
• Three years of experience or equivalent training in subrogation claims
• Three years of experience or equivalent training in resolving coverage questions
• Three years of experience or equivalent training in taking statements
• Three years of experience or equivalent training in establishing clear evaluation and resolution plans for claims
• Advanced knowledge of Essential Insurance Act (Michigan)
• 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 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 work load 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
• Ability to travel outside of assigned territory which may involve overnight stay
• Ability to relocate, work evenings or weekends

Nice To Haves

• 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

Responsibilities

• Work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims
• Review assigned claims
• Contact the insured and other affected parties
• Set expectations for the remainder of the claim process
• 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 valued over $25,000 (for the inside desk role) and over $100,000 (for field role) for Homeowner/CAT claim unit
• Investigate claims requiring in-depth coverage analysis
• Prepare damage estimates using claims software (when handling claims in the field)
• Review estimates for accuracy
• Monitor contractor repair status (May)
• Assist Claim Manager with file reviews and training (May)

Benefits

• A competitive annual salary between $74,900.00 - $90,000.00
• 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: Senior
• Education Level: No Education Listed
• Number of Employees: 1-10 employees