Property Field Claim Specialist

Aaa-the-Auto-Club-Grou; Detroit (MI); Hybrid; USD 80,000 - 92,000; Full time

Benefits offered by this job

AAA membership with roadside—assitance

Adoption assistance

Tuition assistance

Professional certification support

Job summary

The Auto Club Group (ACG) is seeking a Field Property Claims Specialist in Detroit, MI to conduct on-site inspections, assess damages, determine coverage, and prepare accurate estimates while guiding policyholders with professionalism.

This hybrid role involves CAT support, travel to field locations, and collaboration with internal teams, requiring strong negotiation and communication skills to resolve claims efficiently and empathetically.

Qualifications

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
• Eligible to acquire a State Adjuster’s license within 90 days of hire if required by state.
• Three years of experience in negotiation, evidence evaluation, and claims handling.

Responsibilities

• Reviewing assigned claims and contacting insureds and affected parties.
• Prepare damage estimates and validate estimates for accuracy.
• Conduct complex coverage analysis and determine applicability of policy terms.
• Assist CAT response efforts and coordinate with underwriters or SIU as needed.

Skills

Negotiation

Customer service

Communication

Claims investigation

Damage assessment

State law knowledge

Education

ACG Claim Rep Training

Associate degree

Tools

Xactware Training

Claims software

Job description

Job Type:Full timeExempt/Non Exempt:SalaryJob Description:Location Details:Detroit, MichiganChicago, IllinoisMinneapolis, MinnesotaTravel 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.Position Summary:As a Field Property Claims Specialist, you'll conduct on-site property inspections, assess damages, determine coverage, prepare estimates, and guide policyholders through the claims process with professionalism and empathy. This role combines property claims expertise, customer service, and problem-solving to deliver timely, accurate claim resolutions while helping customers recover from unexpected losses. You'll also have opportunities to support catastrophe (CAT) response efforts, assisting customers and communities impacted by large-scale weather events and natural disasters.Key Responsibilities:Reviewing assigned claimsContacting the insured and other affected partiesSetting expectations for the remainder of the claim process, and initiating documentation in the claim handling systemComplete complex coverage analysisEnsure all possible policyholder benefits are identifiedCreate additional sub-claims if neededComplete 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 potentialConduct thorough reviews of damages and determine the applicability of state law and other factors related to the claimEvaluate the financial value of the lossApprove 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 systemUtilize strong negotiating skillsClaim 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 analysisWhen handling claims in the field, must prepare damage estimates using claims softwareReview estimates for accuracyMay monitor contractor repair statusMay assist Claim Manager with file reviews and trainingQualifications:RequiredEducation:Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experienceIn 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 LicenseExperience:Three years of experience or equivalent training in the following:Negotiation of claim settlementsSecuring and evaluating evidencePreparing manual and electronic estimatesSubrogation claimsResolving coverage questionsTaking statementsEstablishing clear evaluation and resolution plans for claimsKnowledge and Skills:Advanced knowledge of:Essential Insurance Act (Michigan)Fair Trade Practices Act as it relates to claimsSubrogation procedures and processesIntercompany arbitrationHandling simple litigationBuilding construction and repair techniquesAbility to:Handle claims to the line Claim Handling StandardsFollow and apply ACG Claim policies, procedures and guidelinesWork within assigned ACG Claim systems including basic PC softwarePerform basic claim file review and investigationsDemonstrate 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 concernsAnalyze and solve problems while demonstrating sound decision-making skillsPrioritize claim related functionsProcess time sensitive data and information from multiple sourcesManage time, organize and plan workload and responsibilitiesSafely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.Research analyze and interpret subrogation laws in various statesTravel outside of assigned territory which may involve overnight stayRelocate, work evenings or weekendsPreferredEducation:Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experienceCompletion of the Insurance Institute of America's: General Insurance Program, Associate degree in claims, Associate degree in management or equivalentXactware Training2-4 years of full cycle homeowners claims handling experienceExperience handling personal property and additional living expense claimsExperience with internal water loss, fire, and smoke claimsAbility to:Walk on roofsClimb laddersLift up to 25 poundsWork 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.).CompensationA 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.BenefitsAt ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.Health & WellnessMedical plans with multiple coverage options, including HSA eligibility.Prescription drug coverage.Dental and vision benefits.Employee Assistance Program (confidential support services).Financial Protection & InsuranceCompany-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 & Savings401(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 & LeavePaid 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 & EducationTuition 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 PerksComplimentary AAA membership with roadside assistance and travel discounts.Adoption assistance program.Job Posting Period:This position is expected to remain posted through October 31, 2026; however, it may close at any time once a qualified candidate pool is identified.Who We AreBecome 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.comImportant 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.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.