Chicago Property Field Claim Specialist - Chicago, IL

VetJobs • Chicago, IL

22h • $78,000 - $87,000 • Hybrid

About The Position

The Property Field Claim Specialist serves the Chicago, Illinois area and is the face of the claims experience for customers. The specialist inspects property damage, investigates claims, and works directly with homeowners to provide service and fair claim resolutions. The role combines independent field work, relationship-building, and problem-solving. The position is hybrid, with a 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 specialist handles complex homeowner and catastrophe claims, including field claims valued over $100,000. Responsibilities include analyzing coverage, damages, policyholder benefits, applicable state law, financial loss, and recovery potential; preparing and reviewing damage estimates using claims software; negotiating and approving appropriate payments; and completing claim documentation and closure activities. The specialist may monitor contractor repairs and assist a Claim Manager with file reviews and training.

The position requires completion of the ACG Claim Representative Training Program or equivalent knowledge or experience, eligibility to obtain a State Adjuster's license within 90 days of hire where required, and a valid State Driver's License. Candidates need three years of experience or equivalent training in specified claims activities. The position may require travel outside the assigned territory, including overnight stays, and the ability to relocate or work evenings or weekends.

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 specified for the applicable state.
• 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.
• 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.
• Ability to handle claims to the line Claim Handling Standards and 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 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 for work-related visits.
• Ability to research, analyze, and interpret subrogation laws in various states.
• Ability to relocate and work evenings or weekends may be required.

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 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 applicable limits, exclusions, payment decisions, and recovery potential.
• Review damages and determine the applicability of state law and other claim factors.
• Evaluate the financial value of losses.
• Approve payments for appropriate parties.
• Refer claims to other company units when necessary, including Underwriting, Recovery Units, and Claims Special Investigation Unit.
• Document and/or code claim files 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 when handling claims in the field.
• Review estimates for accuracy.
• Monitor contractor repair status as needed.
• Assist the Claim Manager with file reviews and training as needed.
• Safely operate a motor vehicle to travel to repair facilities, homes, and other inspection locations.
• Travel outside the assigned territory, potentially including overnight stays.

Benefits

• Competitive annual salary of $78,000 to $87,000.
• Opportunity for an annual company bonus incentive.
• Benefits in accordance with applicable state and local laws, including PTO and paid sick leave.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed