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Posted: 9/17/2026Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in claims handling, including negotiation, coverage analysis, and documentation within claims management systems. Proficient in applying state laws and insurance regulations while providing exceptional customer service and relationship management.
Highest-signal resume keywords
Claims Handling ExperienceNegotiation SkillsCoverage AnalysisState Adjuster's LicenseXactware Training
About the role
Key responsibilities & impact- Review assigned claims and contact insureds and other affected parties
- Set expectations for the claim process and initiate documentation in the claim handling system
- Complete complex coverage analysis and identify all applicable policyholder benefits
- Create additional sub-claims when needed
- Investigate claim facts to determine payment, limits, exclusions, and recovery potential
- Review damage 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, Claims Special Investigation Unit, or other company units when necessary
- Document and code claim files and complete claim closure activities in the claims management system
- Negotiate claim settlements
- Handle Homeowner/CAT claims valued over $100,000 in the field role
- 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
- Serve the Chicago, Illinois area as the face of the claims experience
- Inspect property damage and work directly with homeowners to provide fair claim resolutions
- Travel to field locations, repair facilities, and homes as necessary
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 Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, subrogation procedures, intercompany arbitration, simple litigation, and building construction and repair techniques
- Ability to handle claims to Claim Handling Standards 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-building skills with insureds and claimants
- Problem-solving and sound decision-making skills
- Ability to prioritize claim-related functions and process time-sensitive 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 the assigned territory, potentially overnight
- 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 or management, or equivalent
- Preferred: CPCU coursework or designation
- Preferred: Xactware Training
- Preferred: 1–2 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
- Preferred: Ability to walk on roofs, climb ladders, and lift up to 25 pounds
- Must consent to background and drug screening if offered employment
- Regular and reliable attendance is essential
Benefits
Comp & perks- Annual company bonus incentive
- 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 matching 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
- 1 volunteer day
- Paid parental, bereavement, jury duty, and military leave
- Tuition assistance
- 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
- Remote work from a home office for day-to-day operations
- Flexible work policy
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Claims DocumentationCoverage EvaluationDamage EstimationSubrogation ProceduresClaim File ReviewInsurance Act KnowledgeClaims Software ProficiencyField Claims HandlingEvidence EvaluationClaim Settlement Negotiation
Soft Skills
Effective CommunicationCustomer Service SkillsProblem-Solving SkillsTime ManagementOrganizational Skills
Tools & Technologies
Claims Management SystemPC SoftwareXactware
Certifications & Qualifications
State Adjuster's LicenseCPCU Designation
Industry Keywords
Essential Insurance ActFair Trade Practices ActSubrogation LawsHomeowner ClaimsBuilding Construction Techniques