Property Field Claim Specialist

AAA

. Review assigned claims . Contact insureds and other affected parties . Set expectations for the claim process and initiate documentation in the claim handling system . Complete complex coverage analysis . Identify all

Posted 9/25/2026full-timeUnited StatesMid-LevelSenior💰 $80,000 - $92,000 per yearWebsite

About the role

Key responsibilities & impact

Review assigned claims
Contact insureds and other affected parties
Set expectations for the claim process and initiate documentation in the claim handling system
Complete complex coverage analysis
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 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 closure activities in the claims management system
Negotiate claim settlements
Handle Homeowner/CAT field claims valued over $100,000
Investigate claims requiring in-depth coverage analysis
Prepare damage estimates using claims software for field claims
Review estimates for accuracy
Monitor contractor repair status when needed
Assist the Claim Manager with file reviews and training when needed
Conduct on-site property inspections and assess damage
Guide policyholders through the claims process
Support catastrophe response efforts for large-scale weather events and natural disasters
Travel within the assigned local market approximately 10% of the time, with no overnight travel and a company vehicle provided
Work a hybrid field schedule Monday–Friday, 8:30 AM–5:30 PM EST

Requirements

What you’ll need

Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
In states where required, eligible to acquire a State Adjuster’s license within 90 days of hire and maintain it as specified
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 claim evaluation and resolution plans
Advanced knowledge of the Essential Insurance Act (Michigan)
Knowledge of Fair Trade Practices Act as it relates to claims
Knowledge of subrogation procedures and processes
Knowledge of intercompany arbitration
Knowledge of handling simple litigation
Knowledge of building construction and repair techniques
Ability to handle claims to 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 and relationship-management skills
Problem-solving and sound decision-making skills
Ability to prioritize claim-related functions
Ability to process time-sensitive data and information from multiple sources
Time-management, organization, and workload-planning skills
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
Preferred: Associate degree in Business Administration, Insurance, or a related field, or equivalent related work experience
Preferred: Completion of the Insurance Institute of America's General Insurance Program, associate degree in claims, associate degree in management, or equivalent
Preferred: Xactware Training
Preferred: 2–4 years of full-cycle homeowners claims handling experience
Preferred: Experience handling personal property and additional living expense claims
Preferred: Experience with internal water loss, fire, and smoke claims
Ability to walk on roofs
Ability to climb ladders
Ability to lift up to 25 pounds
Background and drug screening required for employment

Benefits

Comp & perks

Annual company bonus incentive
Additional catastrophe unit specific compensation
Medical plans with multiple coverage options, including HSA eligibility
Prescription drug coverage
Dental and vision benefits
Employee Assistance Program
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
401(k) plan with company match and additional company contribution
Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options
Paid Time Off (PTO)
10 company-paid holidays annually for full-time employees
1 mental health day, 2 floating holidays, and 1 volunteer day
Paid parental, bereavement, jury duty, and military leave
Tuition assistance up to $5,250 annually; 80% covered by ACG
Professional certification support with 100% reimbursement for eligible programs
Career development and advancement opportunities
Complimentary AAA membership with roadside assistance and travel discounts
Adoption assistance program
Company vehicle provided for local market travel
Remote work from a home office for day-to-day operations