Senior Large Loss Field Property 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 and identify

Posted 9/17/2026full-timeMichigan • United StatesSenior💰 $85,000 - $105,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates advanced knowledge of insurance claims processes, including negotiation, coverage analysis, and subrogation procedures. Proficient in utilizing claims management systems and effective communication skills to manage complex claims and ensure compliance with state laws.

Highest-signal resume keywords

Advanced Knowledge Of Essential Insurance ActAdvanced Knowledge Of Fair Trade Practices ActNegotiation Of Claim SettlementsClaims Management System ProficiencyState Adjuster’s License Eligibility

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims ReviewCoverage AnalysisSubrogation ProceduresBuilding Construction TechniquesEstimation ToolsClaims DocumentationClaims NegotiationLitigation HandlingField InspectionsClaims Coding

Soft Skills

Effective CommunicationCustomer ServiceProblem-SolvingDecision-MakingTime Management

Tools & Technologies

Claims Management SystemBasic PC SoftwareXactware

Certifications & Qualifications

State Adjuster’s LicenseCPCU Coursework

Industry Keywords

Homeowner ClaimsTotal Loss ClaimsInsurance ClaimsSubrogation LawsAlternative Dispute ResolutionMichigan Insurance Regulations

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 and identify all applicable policyholder benefits
Create additional sub-claims when needed
Investigate claim facts to determine payment limits, 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 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, unlivable insured properties and total losses
Investigate claims requiring extensive coverage analysis and assistance from experts, engineers or specialized vendors
Scope and prepare large restoration estimates using investigative and estimation tools
Review contractor estimates
Provide oversight of assigned claims, member communication, expert/resource coordination and restoration project schedules
Handle claims involving adverse third parties, litigation and alternative dispute resolution
Assist the Claim Manager with file reviews and training
Travel to territories throughout Michigan for field assignments and property inspections

Requirements

What you’ll need

Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
Eligible to acquire a State Adjuster’s license within 90 days of hire where required and maintain it as specified
Valid State Driver's License
Five 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)
Advanced knowledge of Fair Trade Practices Act as it relates to claims
Advanced knowledge of subrogation procedures and processes
Advanced knowledge of intercompany arbitration
Knowledge of handling simple litigation
Advanced knowledge of 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/claimants
Problem-solving, decision-making, prioritization, time management, organization and workload planning skills
Ability to process time-sensitive data and information from multiple sources
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, including overnight stays
Willingness to relocate and work evenings or weekends
Applicants must be residents of Michigan
Preferred: Associate degree in Business Administration, Insurance or related field, or equivalent related work experience
Preferred: Completion of Insurance Institute of America's General Insurance Program, associate degree in claims, associate degree in management or equivalent
Preferred: CPCU coursework or designation
Preferred: Xactware Training
Preferred: 5+ 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
Regular and reliable attendance is essential
Must consent to background and drug screening if offered employment

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 match and additional company contribution
Health Savings Account (HSA) and Flexible Spending Accounts (FSA)
Paid Time Off (PTO)
10 company-paid holidays annually for full-time employees
1 mental health day, 2 floating holidays and 1 volunteer day for full-time employees
Paid parental, bereavement, jury duty, and military leave
Tuition assistance up to $5,250 annually
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, with travel to field locations as necessary