Field Property Claim Specialist

Role Overview

• Join our team as a Field Property Claim Specialist serving the Metro Detroit area.
• Inspect property damage, investigate claims, and work directly with homeowners to provide exceptional service and fair claim resolutions.
• Review assigned claims and contact the insured and other affected parties.
• Set expectations for claim process and complete documentation in the claims handling system.
• Conduct thorough reviews of damages and determine applicability of state law.
• Evaluate financial value of the loss and approve payments for appropriate parties.
• Refer claims to other company units when necessary.
• Thoroughly document and/or code claim files and complete claim closure activities.
• Utilize strong negotiating skills and handle claims valued over $25,000 to over $100,000.

Requirements

• 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
• Advanced knowledge of building construction and repair techniques.

Benefits

• 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.
• 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.