Chicago Property Field Claim Specialist - Chicago, IL

Military Spouse Corporate Career Network•Chicago, IL

18h•Hybrid

About The Position

The Property Field Claim Specialist serves the Chicago, Illinois area and works directly with homeowners to inspect property damage, investigate claims, and provide customer service and fair claim resolutions. The role combines independent, field-based work with relationship-building and problem-solving. Field specialists handle homeowner and catastrophe claims valued over $100,000. The position follows a hybrid field schedule, Monday through Friday, 8:30 AM to 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 may change under the ACG Flex Work policy. The role requires claim investigation and coverage analysis, damage assessment, loss valuation, estimate preparation and review, payment approval, negotiation, and documentation using the assigned claims management system. The specialist may monitor contractor repairs, refer claims to other company units, and assist the Claim Manager with file reviews and training. The annual salary range is $78,000 to $87,000, with an opportunity for an annual company bonus incentive.

Requirements

Complete the ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
Where a state adjuster’s license is required, be eligible to acquire it within 90 days of hire and maintain it as required in the applicable state.
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.
Have advanced knowledge of the Essential Insurance Act (Michigan), the Fair Trade Practices Act as it relates to claims, subrogation procedures and processes, intercompany arbitration, and handling simple litigation.
Have advanced knowledge of building construction and repair techniques.
Be able to handle claims to the line Claim Handling Standards and follow and apply ACG Claim policies, procedures, and guidelines.
Be able to work within assigned ACG Claim systems, including basic PC software, and 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 questions and concerns.
Be able to analyze and solve problems, make sound decisions, prioritize claim-related functions, process time-sensitive information from multiple sources, and manage and organize workload and responsibilities.
Be able to safely operate a motor vehicle to visit repair facilities, homes, and other locations.
Be able to research, analyze, and interpret subrogation laws in various states.
Be able to travel outside the assigned territory, which may involve overnight stays.

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, equivalent CPCU coursework, or a CPCU 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 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 property damage thoroughly and determine the applicability of state law and other 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, or the Claims Special Investigation Unit.
Document and code claim files and complete claim closure and related activities in the assigned claims management system.
Use negotiating skills to resolve claims.
Prepare damage estimates using claims software and review estimates for accuracy.
Monitor contractor repair status when applicable.
Assist the Claim Manager with file reviews and training when needed.