Property Field Claim Specialist

Job Type:

Full time

Exempt/Non Exempt:

Salary

Job Description:

Location Details:

Detroit, Michigan

Chicago, Illinois

Minneapolis, Minnesota

Travel 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 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

Xactware Training

2-4 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 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.

Benefits

At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.

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. Holidays vary by business unit schedules.

Paid leave programs, including parental, bereavement, jury duty