Michigan Homeowners Claim Representative II

Dearborn, MI / Nashville, TN / Charleston, SC / Omaha, NE / Fargo, ND / Apex, NC / Saint Paul, MN / Fort Wayne, IN / Chicago, IL / Iowa City, IA / Atlanta, GA / Jacksonville, FL / Colorado Springs, CO / Milwaukee, WI ...View All
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Michigan Homeowners Claim Representative II – AAA The Auto Club Group

Claim Manager I

Full time

Salary

Work under normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards in the field or inside units, resolve coverage questions, take statements, and establish clear evaluation and resolution plans for claims.

• Review assigned claims, contact the insured and other affected parties, set expectations for the remainder of the claim, and initiate documentation in the claim handling system.
• Complete coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss.
• Ensure all possible policyholder benefits are identified, create additional sub‑claims if needed or refer complex claims to management or the appropriate claim handler.
• 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.

Employees assigned to the Homeowner/CAT claim unit will handle claims generally valued between $5,000 and $25,000 (for the inside desk role) and up to $100,000 (for field role). Investigate claims requiring coverage analysis. When handling claims in the field, prepare damage estimates using claims software, review estimates for accuracy, and may monitor contractor repair status and update.

None

• A competitive annual salary between $64,000 - $72,000
• ACG offers excellent and comprehensive benefits packages, including:
  Medical, dental and vision benefits
  401k Match
  Paid parental leave and adoption assistance
  Paid Time Off (PTO), company paid holidays, CEO days, and floating holidays
  Paid volunteer day annually
  Tuition assistance program, professional certification reimbursement program and other professional development opportunities
  AAA Membership
• Discounts, perks, and rewards and much more

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience in property adjusting
• 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
• A valid driver's license is required if the primary responsibilities of the role involve conducting in‑person inspections or frequent in‑person meetings with members.

One year of experience or equivalent training in the following:

• Negotiating 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

Advance knowledge of:

• Essential Insurance Act (Michigan)
• Fair Trade Practices Act as it relates to claims
• Subrogation procedures and processes
• Intercompany arbitration
• Knowledge of 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 effective…