AAA-The Auto Club Group
Saginaw Michigan Field Property Claim Specialist
AAA-The Auto Club Group, Lansing, Michigan, United States
Saginaw Michigan Field Property Claim Specialist
Field Property Claim Specialist responsible for handling complex property claims in the Saginaw, Michigan region, including coverage analysis, negotiation, investigative work, and claim closure.
Responsibilities
Review assigned claims and maintain accurate documentation in the claims management system.
Contact insureds and other parties to set expectations, initiate documentation, and gather evidence.
Conduct detailed coverage analysis and identify all possible policyholder benefits.
Create additional sub‑claims when necessary and complete investigations of claim facts, limits, exclusions, and recovery potential.
Review damages, determine applicability of state law and other factors, and evaluate financial value of the loss.
Approve payments for the appropriate parties and refer claims to other units when necessary (e.g., Underwriting, Recovery Units, Claims Special Investigation Unit).
Document and code claim files, complete all closing activities, and utilize strong negotiating skills.
Prepare damage estimates using Xactimate, review estimates for accuracy, and monitor contractor repair status and updates.
Benefits
Competitive annual salary between $65,700 – $82,000
Medical, dental, and vision coverage
401(k) match
Paid parental leave, adoption assistance, and volunteer days
Paid time off, company holidays, CEO days, and floating holidays
Tuition assistance, professional certification reimbursement, and development opportunities
AAA membership and discounts, perks, and rewards
Required Qualifications
Education:
Associate degree in Business Administration, Insurance, or related field; or equivalent work experience; completion of the Insurance Institute of America's General Insurance Program, Associate in Claims, Associate in Management, or equivalent; completion of CPCU coursework or designation; Xactware or Xactimate training; demonstrated knowledge of the ACG Claim Representative Training Program; eligibility to acquire a State Adjuster's license within 90 days if required; valid State Driver's License.
Ability to:
Lift up to 25 pounds; climb ladders and walk on roofs.
Experience:
Three years or equivalent training in negotiation of claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, subrogation claims, resolving coverage questions, taking statements, and establishing clear evaluation and resolution plans.
Knowledge and Skills:
Advanced knowledge of the Fair Trade Practices Act, subrogation procedures, intercompany arbitration, handling simple litigation, building construction and repair techniques; ability to handle claims to line Claim Handling Standards, follow ACG claims policies, work within ACG systems, perform basic file review and investigations, communicate effectively, provide customer service, analyze and solve problems, prioritize tasks, manage time, operate a motor vehicle for field visits; research, analyze, and interpret subrogation laws; may travel or overnight stay outside assigned territory.
Preferred Qualifications
Education:
Associate degree in Business Administration, Insurance, or related field; or equivalent work experience; completion of the Insurance Institute of America's General Insurance Program, Associate in Claims, Associate in Management, or equivalent; completion of CPCU coursework or designation; Xactware/Xactimate training or equivalent.
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 will be required to consent to a background and drug screen based on the position’s requirements.
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Responsibilities
Review assigned claims and maintain accurate documentation in the claims management system.
Contact insureds and other parties to set expectations, initiate documentation, and gather evidence.
Conduct detailed coverage analysis and identify all possible policyholder benefits.
Create additional sub‑claims when necessary and complete investigations of claim facts, limits, exclusions, and recovery potential.
Review damages, determine applicability of state law and other factors, and evaluate financial value of the loss.
Approve payments for the appropriate parties and refer claims to other units when necessary (e.g., Underwriting, Recovery Units, Claims Special Investigation Unit).
Document and code claim files, complete all closing activities, and utilize strong negotiating skills.
Prepare damage estimates using Xactimate, review estimates for accuracy, and monitor contractor repair status and updates.
Benefits
Competitive annual salary between $65,700 – $82,000
Medical, dental, and vision coverage
401(k) match
Paid parental leave, adoption assistance, and volunteer days
Paid time off, company holidays, CEO days, and floating holidays
Tuition assistance, professional certification reimbursement, and development opportunities
AAA membership and discounts, perks, and rewards
Required Qualifications
Education:
Associate degree in Business Administration, Insurance, or related field; or equivalent work experience; completion of the Insurance Institute of America's General Insurance Program, Associate in Claims, Associate in Management, or equivalent; completion of CPCU coursework or designation; Xactware or Xactimate training; demonstrated knowledge of the ACG Claim Representative Training Program; eligibility to acquire a State Adjuster's license within 90 days if required; valid State Driver's License.
Ability to:
Lift up to 25 pounds; climb ladders and walk on roofs.
Experience:
Three years or equivalent training in negotiation of claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, subrogation claims, resolving coverage questions, taking statements, and establishing clear evaluation and resolution plans.
Knowledge and Skills:
Advanced knowledge of the Fair Trade Practices Act, subrogation procedures, intercompany arbitration, handling simple litigation, building construction and repair techniques; ability to handle claims to line Claim Handling Standards, follow ACG claims policies, work within ACG systems, perform basic file review and investigations, communicate effectively, provide customer service, analyze and solve problems, prioritize tasks, manage time, operate a motor vehicle for field visits; research, analyze, and interpret subrogation laws; may travel or overnight stay outside assigned territory.
Preferred Qualifications
Education:
Associate degree in Business Administration, Insurance, or related field; or equivalent work experience; completion of the Insurance Institute of America's General Insurance Program, Associate in Claims, Associate in Management, or equivalent; completion of CPCU coursework or designation; Xactware/Xactimate training or equivalent.
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 will be required to consent to a background and drug screen based on the position’s requirements.
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