Field Liability Claim Adjuster

Full time
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.
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.
Reviewing assigned claims
Setting expectations for the remainder of the claim process, and initiating documentation in the claim handling system
Complete complex coverage analysis
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
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
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
May monitor contractor repair status
May assist Claim Manager with file reviews and training
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.
Three years of experience or equivalent training in the following:
Negotiation of claim settlements
Subrogation claims
Establishing clear evaluation and resolution plans for claims
Essential Insurance Act (Michigan)
Fair Trade Practices Act as it relates to claims
Handling simple litigation
Building construction and repair techniques
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 customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns
Prioritize claim related functions
Process time sensitive data and information from multiple sources
Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.
Travel outside of assigned territory which may involve overnight stay
Relocate, work evenings or weekends
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
• 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

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.
ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).
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.
At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.
Medical plans with multiple coverage options, including HSA eligibility.
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. may contribute 1% to 50% of eligible earnings, either pre or post tax. immediate vesting. Additional company contribution of 4% of pay each pay day into your account; Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.

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.
• Tuition assistance (up to $5,250 annually; Professional certification support with 100% reimbursement for eligible programs.

Complimentary AAA membership with roadside assistance and travel discounts.
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.
To learn more about AAA The Auto Club Group visit
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. 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.
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.