Senior Michigan Loss Field Property Claim Specialist

Position: Senior Michigan Large Loss Field Property Claim Specialist
Job Type:Full time Exempt/Non Exempt:

Salary

Job Description:

Location Details:

Michigan This role requires eligible candidates to travel to all territories within the state of Michigan for field assignments. Applicants must be a resident of Michigan for consideration.

Position Schedule /

Shift: Hybrid – Field Schedule Monday – Friday: 8:30 AM EST – 5:30 PM EST.Extended hours for travel may be necessary as applicable based on claim assignments.

Position Summary:

Join our team as a Senior Michigan Large Loss Field Property Claim Specialist serving the state of Michigan, 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 large loss property damage, investigate claims, and work directly with homeowners to provide exceptional service and fair claim resolutions.

If you enjoy working independently, serving as a subject matter expert in claims, 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

Complete complex coverage analysis

Ensure all possible policyholder benefits are identified

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 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

Senior Claim Specialists assigned to the Homeowner/CAT claim unit handle claims valued over $100,000, the insured property is unlivable and total losses

Investigate claims requiring a high level of coverage analysis and the potential assistance of experts, engineers or specialized vendors

Must have substantial knowledge of building materials, construction and restoration practices

Must be capable of independently scoping and preparing large restoration estimates using available investigative and estimation tools

Must have the ability to review contractor estimates

Requires expert negotiation skills

Strong communication skills and the ability to handle property claims that involve adverse third parties, litigation and the use of alternative dispute resolution

Must be an expert at providing oversight of all assigned claims including member communication, resource (including experts) coordination, tracking project schedules throughout the restoration process

May 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 as specified for appropriate states.

Must have a valid State Driver's License

Experience:

Five years of experience or equivalent training in the following:

Negotiation of claim settlements

Securing and evaluating evidence

Preparing manual and electronic estimates

Subrogation…