Property Field Claim Specialist

• Review assigned claims
• Contact insureds 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 and identify all possible policyholder benefits
• Create additional sub-claims when needed
• Investigate claim facts to determine payment, applicable limits or exclusions, and recovery potential
• Review damages and determine applicability of state law and other claim-related factors
• Evaluate the financial value of losses
• Approve payments for appropriate parties
• Refer claims to Underwriting, Recovery Units or the Claims Special Investigation Unit when necessary
• Document and code claim files and complete claim closure activities in the claims management system
• Negotiate claim resolutions
• Handle Homeowner/CAT claims valued over $100,000 in the field
• Prepare damage estimates using claims software for field claims
• Review estimates for accuracy
• Monitor contractor repair status when necessary
• Assist the Claim Manager with file reviews and training when necessary
• Serve as the face of the claims experience for Metro Detroit customers
• Inspect property damage and work directly with homeowners to provide service and fair claim resolutions

Requirements

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
• In states where an Adjuster’s license is required, 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
• 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, and establishing clear evaluation and resolution plans for claims
• Advanced knowledge of Essential Insurance Act (Michigan)
• Advanced knowledge of Fair Trade Practices Act as it relates to claims
• Advanced knowledge of subrogation procedures and processes
• Advanced knowledge of intercompany arbitration
• Advanced knowledge of handling simple litigation
• Advanced knowledge of building construction and repair techniques
• Ability to handle claims to the line Claim Handling Standards
• Ability to follow and apply ACG Claim policies, procedures and guidelines
• Ability to work within assigned ACG Claim systems including basic PC software
• Ability to perform basic claim file review and investigations
• Effective verbal and written communication skills
• Customer service skills and ability to build and maintain relationships with insureds/claimants
• Ability to analyze and solve problems and demonstrate sound decision-making
• Ability to prioritize claim-related functions
• Ability to process time-sensitive data and information from multiple sources
• Ability to manage time, organize and plan workload and responsibilities
• Ability to safely operate a motor vehicle for field visits
• Ability to research, analyze and interpret subrogation laws in various states
• Ability to travel outside assigned territory, potentially involving overnight stays
• Ability to relocate and work evenings or weekends

Core Competencies

Demonstrates advanced knowledge of insurance claims processes, including negotiation, coverage analysis, and subrogation procedures. Proficient in utilizing claims management systems and effectively communicating with insureds to ensure fair claim resolutions.

Highest-signal resume keywords

• Advanced Knowledge Of Essential Insurance Act
• Advanced Knowledge Of Fair Trade Practices Act
• Negotiation Of Claim Settlements
• Claims Management System Proficiency
• Customer Service Skills

ATS Optimization Keywords

Hard Skills

• Claims Review
• Coverage Analysis
• Damage Estimation
• Subrogation Procedures
• Claim File Documentation
• Field Claims Handling
• Negotiation Skills
• Investigation Techniques
• Claims Coding
• Litigation Handling

Soft Skills

• Effective Communication
• Problem-Solving
• Time Management
• Relationship Building
• Organizational Skills

Certifications & Qualifications

• State Adjuster’s License
• ACG Claim Representative Training Program

Industry Keywords

• Homeowner Claims
• CAT Claims
• Insurance Claims
• Subrogation Laws
• Building Construction Techniques

Tools & Technologies

• Claims Software
• PC Software