Lansing Michigan Field Property Claims Specialist

Aaa-the-Auto-Club-Grou; Lansing (MI); Hybrid; USD 70,000 - 85,000; Full time

Benefits offered by this job

Sign-on bonus

AAA membership

Adoption assistance

Job summary

The Auto Club Group (ACG) is hiring a Field Property Claim Specialist for the Lansing, Michigan area. This hybrid role combines field inspections with office-based claim handling, requiring independent work and strong customer service.

The position offers a $2,500 sign-on bonus and a competitive salary range of $70,000 to $85,000 per year, plus benefits and growth opportunities. Responsibilities include reviewing claims, contacting insured parties, performing complex coverage analyses,

Qualifications

• Required Education: Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
• Experience: Three years of experience or equivalent training in negotiation of claim settlements, securing and evaluating evidence, preparing estimates, subrogation claims, resolving coverage questions, taking statements, and setting evaluation plans.

Responsibilities

• Review assigned claims and contact insured/affected parties.
• Set expectations for remaining claim process and document in system.
• Complete complex coverage analysis and identify claimants' benefits.
• Approve payments to appropriate parties and refer to other units when needed.
• Prepare damage estimates and ensure estimates accuracy.
• Conduct detailed investigations and handle field inspections as needed.
• Document the claim file thoroughly and manage time-sensitive data.

Skills

Negotiation

Claim handling

Evidence evaluation

Subrogation

Coverage analysis

Investigations

Communication skills

Time management

Cost estimation

State law knowledge

Education

ACG Claim Representative Training Program

State Driver's License

Tools

CMS/Claims system

Job description

Job Type: Full time Exempt/Non Exempt: Salary

Job Description: Location Details: Lansing, Michigan

Position Schedule / Shift: Hybrid - Field Schedule Monday - Friday: 8:30 AM EST - 5:30 PM EST.

Position Summary: Join our team as a Field Property Claim Specialist serving the Lansing, Michigan area, where you’ll be the face of our claims experience and make a meaningful difference for customers during challenging times. In this role, you’ll inspect property damage, investigate claims, and work directly with homeowners to provide exceptional service and fair claim resolutions. If you enjoy working independently, building relationships, and combining problem-solving skills with field-based work, this is an opportunity to grow your career while helping customers recover and move forward.

Now offering a $2500 sign on bonus to qualified candidates!

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 Advanced knowledge of 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 Ability to: 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 traveling to field locations as necessary to complete job responsibilities, unless occasional team building activities are specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy.

Compensation & Benefits Overview:

ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.). Compensation A Lansing Michigan Field Property Claim Specialist earns a competitive annual salary of $70,000.00- $85,000.00, along with the opportunity for an annual company bonus incentive.

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.

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.

Job Posting Period

This position is expected to remain posted through September 30, 2026; however, it may close at any time once a qualified candidate pool is identified.

Who We Are

Become a part of something bigger. The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America. By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance. And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other. We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger. To learn more about AAA The Auto Club Group visit www.aaa.com

Important Note

ACG's Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level. The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.

ACG's Equal Opportunity Statement: The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

Regular and reliable attendance is essential for the function of this job. AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.

ACG provides membership, travel, insurance and financial services offerings to approximately 13+ million members and customers across 14 states and 2 U.S. territories through the AAA, Meemic and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

If you have a disability and require an accommodation to help you complete our employment application process, send an email to [e-mail] indicating the accommodation / assistance needed and a member of the Talent Acquisition Team will follow up to assist you within 2 business days.