Catastrophe Field Claim Specialist

acg; Michigan; Hybrid; USD 65,000 - 95,000; Full time

Job summary

ACG seeks a Catastrophe Field Claims Specialist to inspect on-site, evaluate damage, and guide insureds through the claims process. This role requires travel and a field schedule, with responsibilities spanning from documentation to complex coverage analysis.

The candidate will review claims, communicate with insureds and involved parties, and coordinate with Underwriting or Recovery Units as needed to reach timely resolutions.

Qualifications

• Education: Complete ACG Claim Representative Training Program or equivalent knowledge/experience.
• Ability to obtain State Adjuster's license within 90 days of hire where required.
• Valid State Driver's License and readiness to travel as needed.

Responsibilities

• Reviewing assigned claims and contacting insureds and affected parties.
• Setting expectations for the claim process and documenting in the system.
• Performing complex coverage analysis and identifying policy benefits.
• Conducting on-site inspections, evaluating damages and travel as needed.
• Reviewing estimates for accuracy and coordinating with other units.

Skills

Claim negotiation

Evidence gathering

Estimating damages

Subrogation knowledge

Coverage analysis

Statements taking

Communication skills

Education

ACG Claim Representative Training

State Adjuster's license eligible within 90 days

Associate degree preferred

Job description

Job Type:

Full time

Exempt/Non Exempt:

Salary

Job Description:

Location Details:

Detroit, Michigan
Chicago, Illinois

Position Schedule / Shift:

Hybrid- Field schedule Monday - Friday: 8:30 AM EST - 5:30 PM EST. Some weekend hours may be required based on work assignments.

Position Summary:

Make a meaningful impact when people need it most. As a Catastrophe Field Claims Specialist, you'll be on the front lines helping customers recover after catastrophic events by conducting on-site inspections, evaluating damage, and guiding them through the claims process. This dynamic role combines problem-solving, relationship-building, and travel, offering the opportunity to deliver exceptional service while helping communities rebuild and move forward.

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
• Complete complex coverage analysis
• Ensure all possible policyholder benefits are identified
• Create additional sub-claims if needed
• Complete 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
• Conduct thorough reviews of damages and determine the applicability of state law and other factors related to the claim
• Evaluate the financial value of the loss
• Approve 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 document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system
• Utilize 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)
• Investigate 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
• May 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
    • CPCU coursework or designation
    • Xactware Training
  • 1-2 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
  • Walk on roofs
  • Climb ladders
  • Lift up to 25 pounds

Work Environment:

This position is currently able to work remotely from a home office location for day-to-day operations, with travelin