Metro Detroit Field Property Claim Specialist

Job Type Full time Exempt/Non Exempt Salary Location Details Detroit, Michigan – Wayne, Oakland, and Macomb County 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 Metro Detroit 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. 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 Completing complex coverage analysis Ensuring all possible policyholder benefits are identified Creating additional sub-claims if needed Completing 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. Conducting thorough reviews of damages and determining the applicability of state law and other factors related to the claim Evaluating the financial value of the loss Approving payments for the appropriate parties accordingly Referring claims to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit) Thoroughly documenting and/or coding the claim file and completing all claim closure and related activities in the assigned claims management system Utilizing strong negotiating skills Handling claims valued over $25,000 (for the inside desk role) and over $100,000 (for field role) Investigating claims requiring in-depth coverage analysis When handling claims in the field, preparing damage estimates using claims software Reviewing estimates for accuracy Monitoring contractor repair status Assisting 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, eligibility 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 Required 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 Required Knowledge and Skills 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 Required 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 Preferred Ability To Walk on roofs Climb ladders Lift up to 25 pounds Work Environment This position can work remotely from a home office for day-to-day operations, with traveling to field locations as necessary. This is subject to change based on policy modifications. Compensation & Benefits Overview Compensation A Metro Detroit 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 At ACG, we offer a comprehensive and flexible benefits package designed to support 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 with matching and additional contributions. Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options. Time Off & Leave Paid Time Off (PTO) accrual‑based with eligibility at 90 days. Paid holidays and additional floating holidays. Paid leave programs including parental, bereavement, jury duty, and military leave. Career Growth & Education Tuition assistance up to $5,250 annually. 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 30, 2026; however, it may close at any time once a qualified candidate pool is identified. 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. Safety & Background Checks 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 AAA-The Auto Club Group