Property Field Claim Specialist

About the role

Location Details: Detroit, Michigan Chicago, Illinois Minneapolis, Minnesota
Travel within the assigned local market is required, approximately 10% of the time, with no overnight travel and company vehicle provided.
Position Schedule / Shift: Hybrid– Field schedule Monday – Friday: 8:30 AM EST – 5:30 PM EST.

Key Responsibilities

• Reviewing assigned claims
  
• Contacting the insured and other affected parties
  
• Setting expectations for the remainder of the claim process, and initiating documentation in the claim handling system
  
• Completing complex coverage analysis
  
• Ensuring all possible policyholder benefits are identified
  
• Creating additional sub-claims if needed
  
• Completing 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
  
• Evaluating the financial value of the loss
  
• Affording 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 documenting and/or coding the claim file and completing all claim closure and related activities in the assigned claims management system
  
• Utilizing strong negotiating skills
  
• Claim Specialists assigned to Homeowner/CAT claim unit handle claims valued over $25,000 (for the inside desk role) and over $100,000 (for field role)
  
• Investigating claims requiring in-depth coverage analysis
  
• When handling claims in the field, must prepare damage estimates using claims software
  
• Review estimates for accuracy
  
• May monitor contractor repair status
  
• Assist Claim Manager with file reviews and training

  Qualifications

  • Required Education: 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.
    
  • Must have a valid State Driver's License
    
  • Experience: 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
    
  • Knowledge And Skills: Advanced knowledge of: Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, Subrogation procedures and processes, Intercompany arbitration, Handling simple litigation, Building construction and repair techniques
    
  • Ability To: 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, Travel outside of assigned territory which may involve overnight stay, Relocate, work evenings or weekends
    
  • Preferred Education: 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 degree in claims, Associate degree in management or equivalent
    
  • Xactware Training
    
  • 2-4 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

    Compensation & Benefits Overview

    Compensation: A Property Field Claim Specialist earns a competitive annual salary of $80,000.00- $92,000.00, along with the opportunity for an annual company bonus incentive and additional catastrophe unit specific compensation.
    Benefits: At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth. Health & Wellness, Medical plans with multiple coverage options, including HSA eligibility, Prescription drug coverage, Dental and vision benefits, Employee Assistance Program (confidential support services). Financial Protection & Insurance, Company-paid basic life insurance, Optional supplemental life insurance and dependent coverage, Short-term and long-term disability coverage, Critical illness, accident, and pet insurance options. Retirement & Savings, 401(k) plan to support long-term financial goals, 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax, Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting, Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service, Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options. Time Off & Leave, Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment, Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements, Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month, Paid Holidays: Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day, Holidays vary by business unit schedules, Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays, Holidays vary by business unit schedules, Paid leave programs, including parental, bereavement, jury duty, and military leave. Career Growth & Education, Tuition assistance (up to $5,250 annually; 80% covered by ACG), Professional certification support with 100% reimbursement for eligible programs, Opportunities for career development and advancement. Additional Perks, Complimentary AAA membership with roadside assistance and travel discounts, Adoption assistance program.