Chicago Property Field Claim Specialist

AAA-The Auto Club Group•MI-Admin Office Building (AOB), MI

3d•$78,000 - $87,000•Hybrid

About The Position

The Property Field Claim Specialist serves the Chicago, Illinois area as the customer-facing representative for property claims. The role inspects property damage, investigates claims, works directly with homeowners, and delivers service and fair claim resolutions. The specialist handles complex claims requiring in-depth coverage analysis; Homeowner/CAT field claims handled by this role are valued over $100,000. Field work includes preparing damage estimates with claims software, reviewing estimates for accuracy, and potentially monitoring contractor repairs. The role may also assist a Claim Manager with file reviews and training. The position is listed as full-time, salaried, and hybrid, with a field schedule Monday through Friday, 8:30 AM–5:30 PM EST. Day-to-day operations may be performed remotely from a home office, with travel to field locations as needed. This arrangement is subject to changes in the ACG Flex Work policy. The role may involve travel outside the assigned territory, including overnight stays, and requires the ability to relocate or work evenings or weekends. The annual salary range is $78,000–$87,000, with the opportunity for an annual company bonus incentive. ACG offers health, insurance, retirement, time-off, leave, education, career development, and other benefits.

Requirements

Complete the ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
Where an adjuster's license is required, be eligible to acquire a State Adjuster's license within 90 days of hire and maintain it as required in applicable states.
Have 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.
Advanced knowledge of the Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, subrogation procedures and processes, intercompany arbitration, and handling simple litigation.
Advanced knowledge of building construction and repair techniques.
Ability to handle claims according to Claim Handling Standards and apply ACG Claim policies, procedures, and guidelines.
Ability to work within assigned ACG Claim systems, including basic PC software, and perform basic claim file reviews and investigations.
Effective verbal and written communication skills.
Customer service skills, including building and maintaining relationships with insureds and claimants, understanding their problems, and responding to questions and concerns.
Ability to analyze and solve problems and demonstrate sound decision-making.
Ability to prioritize claim-related functions and process time-sensitive information from multiple sources.
Ability to manage time, organize, and plan workload and responsibilities.
Ability to safely operate a motor vehicle to visit repair facilities, homes, and other locations.
Ability to research, analyze, and interpret subrogation laws in various states.
Ability to travel outside the assigned territory, potentially involving overnight stays.
Ability to relocate and work evenings or weekends.

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, an associate degree in 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.
Contact insureds 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 and identify all possible policyholder benefits.
Create additional sub-claims when needed.
Investigate claim facts to determine whether claims should be paid, applicable limits or exclusions, and possible recovery potential.
Review damages thoroughly and determine the applicability of state law and other claim-related factors.
Evaluate the financial value of losses.
Approve payments for appropriate parties.
Refer claims to other company units when necessary, including Underwriting, Recovery Units, or the Claims Special Investigation Unit.
Document and/or code claim files thoroughly and complete claim closure and related activities in the claims management system.
Use negotiating skills to resolve claims.
Investigate claims requiring in-depth coverage analysis.
Prepare damage estimates using claims software for field claims 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, repair facilities, and homes to perform job responsibilities and inspections.

Benefits

Annual company bonus incentive.
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-term and long-term disability coverage.
Critical illness, accident, and pet insurance options.
401(k) plan with company matching contributions and an additional company contribution.
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 full-time 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.