Catastrophe Field Claims Specialist

Position Schedule / Shift Hybrid – Field schedule Monday – Friday: 8:30 AM EST – 5:30 PM EST. Some weekend hours may be required based on work assignments. Job Type Full time Exempt/Non Exempt Salary Location Details Detroit, Michigan; Chicago, Illinois; Minneapolis, Minnesota Position Summary Make a meaningful impact when people need it most. As a Catastrophe Field Claims Specialist, you'll be on the front lines helping customers recover after catastrophic events by conducting on-site inspections, evaluating damage, and guiding them through the claims process. This dynamic role combines problem-solving, relationship-building, and travel, offering the opportunity to deliver exceptional service while helping communities rebuild and move forward. Key Responsibilities Review assigned claims Contact the insured and other affected parties Set expectations for the remainder of the claim process, and initiate documentation in the claim handling system Complete complex coverage analysis Ensure all possible policyholder benefits are identified Create additional sub-claims if needed Conduct a thorough investigation of the facts regarding the claim to 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 Handle claims valued over $25,000 for the inside desk role and over $100,000 for the 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 Monitor contractor repair status 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 it as specified for appropriate states. Must have a valid State Driver's License 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), 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 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 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 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 Catastrophe Field Claim Specialist earns a competitive annual salary of $70,000.00–$85,000.00, 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, 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 August 10, 2026; however, it may close at any time once a qualified candidate pool is identified. 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. Equal Employment 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. Attendance Requirement Regular and reliable attendance is essential for the function of this job. Background Check 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. #J-18808-Ljbffr