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Field Homeowner Adjuster (Saginaw, MI)
Field Homeowner Adjuster (Saginaw, MI)The Auto Club Group • Flint, MI, US
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Field Homeowner Adjuster (Saginaw, MI)

Field Homeowner Adjuster (Saginaw, MI)

The Auto Club Group • Flint, MI, US
24 days ago
Job type
  • Full-time
Job description

Job Description

Field Homeowner Adjuster (Saginaw, MI) - The Auto Club Group

What you will do : The Auto Club Group is seeking prospective Field Homeowner Adjuster who will work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims.

In this position, you will have the opportunity to :

  • Claim handling responsibilities will include 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.

Claim Specialists assigned to Homeowner claim unit handle claims valued over $25,000 (inside desk role) and over $100,000 (field role). Investigate claims requiring in-depth coverage analysis. When handling claims in the field, must prepare damage estimates using claims software. Review estimates for accuracy. May monitor contractor repair status. May assist Claim Manager with file reviews and training.

Required Qualifications

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.
  • A valid driver\'s license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members.
  • Experience :

  • Three years of experience or equivalent training in the following : Negotiation of claim settlements; Securing and evaluating evidence; Preparing manual and electronic estimates; Subrogation claims; Resolving coverage questions; Taking statements; Establishing clear evaluation and resolution plans for claims
  • Knowledge and Skills :

  • Essential Insurance Act (Michigan)
  • Fair Trade Practices Act as it relates to claims
  • Subrogation procedures and processes
  • Intercompany arbitration
  • Handling simple litigation
  • Building and construction and repair techniques
  • Ability to :

  • Handle claims to the line Claim Handling Standards
  • Follow and apply ACG Claim policies, procedures and guidelines
  • Work within assigned ACG Claim systems including basic PC software
  • Perform basic claim file review and investigations
  • Demonstrate effective communication skills (verbal and written)
  • Demonstrate customer service skills by building and maintaining relationships with insureds / claimants while exhibiting understanding of their problems and responding to questions and concerns
  • Analyze and solve problems while demonstrating sound decision making skills
  • Prioritize claim related functions
  • Process time sensitive data and information from multiple sources
  • Manage time, organize and plan workload and responsibilities
  • Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.
  • Research analyze and interpret subrogation laws in various states
  • Travel outside of assigned territory which may involve overnight stay
  • Work evenings or weekends
  • Strong negotiating skills
  • Preferred Qualifications

    Education :

  • Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience
  • Completion of the Insurance Institute of America\'s : General Insurance Program, Associate in Claims, Associate in Management or equivalent
  • CPCU coursework or designation
  • Xactware / Xactimate Training or equivalent
  • Ability to :

  • Lift up to 25 pounds
  • Climb ladders
  • Walk on roofs
  • Work Environment

    This position is currently able to work remotely from a home office location for day-to-day operations, with traveling to field locations as necessary to complete job responsibilities, unless occasional team building activities is specified by leadership. This is subject to change based on amendments and / or modifications to the ACG Flex Work policy. Ideal candidates must reside in the Saginaw, Michigan area or a commutable distance.

    With our powerful brand and the mentoring, we offer, you will find your position as a Claims Specialist can lead to a rewarding career at our growing organization.

    Compensation and Benefits

    ACG Field Homeowner Adjuster will earn a competitive salary of $65,700 - $82,000 annually with annual bonus potential based on performance.

    Excellent and comprehensive benefits packages are just another reason to work for the Auto Club Group. Benefits include :

  • 401k Match
  • Medical
  • Dental
  • Vision
  • PTO
  • Paid Holidays
  • Tuition Reimbursement
  • Who We Are

    Become a part of something bigger.

    The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

    By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life\'s journey through insurance, travel, financial services, and roadside assistance.

    And when you join our team, one of the first things you\'ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

    We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

    To learn more about AAA The Auto Club Group visit www.aaa.com

    Important Note : ACG\'s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.

    The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.

    The Auto Club Group, and all its affiliated companies, is an equal opportunity / affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

    Regular and reliable attendance is essential for the function of this job.

    AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.

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