Field Homeowner Adjuster (Saginaw, MI)

The Auto Club Group; Michigan; Remote; USD 65,000 - 82,000; Full time

Job summary

A leading insurance provider seeks a Field Homeowner Adjuster in Saginaw, MI. The ideal candidate will handle complex claims with minimal supervision and is required to obtain a State Adjuster’s license. Responsibilities include negotiating settlements, conducting damage assessments, and maintaining documentation of the claims process. This position offers a salary between $65,700 and $82,000, along with a range of benefits, and may allow remote work conditions.

Benefits

401k Match

Medical

Dental

Vision

PTO

Paid Holidays

Tuition Reimbursement

Qualifications

• Three years of experience in negotiating claim settlements.
• Eligible for a State Adjuster’s license within 90 days of hire.
• Advanced knowledge of Essential Insurance Act and Fair Trade Practices Act.

Responsibilities

• Handle complex claims under minimal supervision.
• Conduct thorough reviews of damages and make payment approvals.
• Document claims effectively in the management system.

Skills

Negotiation skills

Claim handling experience

Analytical skills

Customer service abilities

Knowledge of insurance regulations

Education

Relevant insurance training or experience

Associate degree in Business Administration or related field

Job description

Overview

It's a great time to join AAA The Auto Club Group! JOIN THE TEAM COMMITTED TO DRIVING YOUR CAREER FORWARD

Job Type: Full time | Exempt/Non Exempt: Exempt/Non Exempt unspecified

Position

Field Homeowner Adjuster (Saginaw, MI) - The Auto Club Group

What you will do

The Auto Club Group is seeking a Field Homeowner Adjuster who will work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims.

You will have the opportunity to:

• Claim handling 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 to determine if the claim should be paid, applicable limits or exclusions, and possible recovery potential.
• Conduct thorough reviews of damages and determine applicable 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).
• Document and 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 claim unit handle claims valued over $25,000 (inside desk role) and over $100,000 (field role). Investigate claims requiring in-depth coverage analysis. When handling claims in the field, 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 Qualifications (minimum)

Education:

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
• In states where an Adjuster’s license is required, eligible to acquire a State Adjuster’s license within 90 days of hire and maintain as specified for appropriate states.
• A valid driver's license is required if the primary responsibilities involve conducting in-person inspections or frequent in-person meetings.

Experience:

• Three years of experience or equivalent training in: 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) and Fair Trade Practices Act as it relates to claims.
• Subrogation procedures and processes; intercompany arbitration; handling simple litigation; building and construction and repair techniques.
• Ability to handle claims to the line Claim Handling Standards; follow ACG claim policies, procedures and guidelines; operate claim systems; perform basic file review and investigations; communicate effectively; provide customer service; analyze and solve problems; prioritize tasks; process time-sensitive data; manage time and workload; safely operate a motor vehicle for inspections; travel outside of assigned territory; work evenings or weekends; strong negotiating skills.

Preferred Qualifications:

Education:

• Associate degree in Business Administration, Insurance or related field or equivalent experience.
• Completion of the Insurance Institute of America’s General Insurance Program, Associate in Claims, Associate in Management or equivalent.
• CPCU coursework or designation.
• Xactware/Xactimate Training or equivalent.

Ability:

• Lift up to 25 pounds; climb ladders; walk on roofs.

Work Environment

This position may be remote from a home office for day-to-day operations, with travel to field locations as necessary. This is subject to change based on the ACG Flex Work policy. Ideal candidates must reside in the Saginaw, Michigan area or within commuting distance.

With our brand and mentoring, your role as a Claim Specialist can lead to a rewarding career at our growing organization.

Compensation and Benefits

Salary: $65,700 - $82,000 annually with annual bonus potential based on performance. Benefits include:

• 401k Match
• Medical
• Dental
• Vision
• PTO
• Paid Holidays
• Tuition Reimbursement

About AAA The Auto Club Group

ACG provides membership, travel, insurance, and financial services to approximately 14+ million members across 14 states and 2 U.S. territories. ACG is part of the national AAA federation.

We foster an inclusive and welcoming environment. For more information, visit www.aaa.com

EEO and Responsibilities

ACG is an equal opportunity/affirmative action employer. Regular attendance is essential. A background and drug screen may be required per position.