Overview
It's a great time to join AAA The Auto Club Group!
JOIN THE TEAM COMMITTED TO DRIVING YOUR CAREER FORWARD
Job Type : Full time
Exempt / Non Exempt : Exempt / Non Exempt
Job Description : Field Homeowner Adjuster (Saginaw, MI) - The Auto Club Group
Responsibilities
- 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 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 Details
Claim Specialists assigned to Homeowner claim unit handle claims valued over $25,000 (inside desk) and over $100,000 (field). They investigate claims requiring in-depth coverage analysis and, when handling claims in the field, prepare damage estimates using claims software. Review estimates for accuracy. May monitor contractor repair status. May assist Claim Manager with file reviews and training.
Qualifications
Required Qualifications
Education :
Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experienceIn 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 statesA valid driver's license is required if the primary responsibilities involve conducting in-person inspections or frequent in-person meetings with membersExperience :
Three years of experience or equivalent training in :Negotiation of claim settlementsSecuring and evaluating evidencePreparing manual and electronic estimatesSubrogation claimsResolving coverage questionsTaking statementsEstablishing clear evaluation and resolution plans for claimsKnowledge and Skills :
Advance knowledge of Essential Insurance Act (Michigan)Fair Trade Practices Act as it relates to claimsSubrogation procedures and processesIntercompany arbitrationHandling simple litigationBuilding and construction and repair techniquesAbility :
Handle claims to the line Claim Handling StandardsFollow and apply ACG Claim policies, procedures and guidelinesWork within assigned ACG Claim systems including basic PC softwarePerform basic claim file review and investigationsDemonstrate effective communication skills (verbal and written)Demonstrate customer service skills by building and maintaining relationships with insureds / claimants while understanding their problems and responding to questions and concernsAnalyze and solve problems with sound decision makingPrioritize claim related functionsProcess time sensitive data and information from multiple sourcesManage time, organize and plan workload and responsibilitiesSafely operate a motor vehicle to visit repair facilities, homes (for inspections), patients, etc.Research, analyze and interpret subrogation laws in various statesTravel outside of assigned territory which may involve overnight stayWork evenings or weekendsStrong negotiating skillsPreferred Qualifications
Education :
Associate degree in Business Administration, Insurance or related field or equivalent experienceCompletion of the Insurance Institute of America's : General Insurance Program, Associate in Claims, Associate in Management or equivalentCPCU coursework or designationXactware / Xactimate Training or equivalentAbility :
Lift up to 25 poundsClimb laddersWalk on roofsWork Environment
This position is currently able to work remotely from a home office location for day-to-day operations, with travel to field locations as necessary to complete job responsibilities, unless occasional team-building activities are specified by leadership. This is subject to change based on amendments / 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 Claim 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 provided, including :
401k MatchMedicalDentalVisionPTOPaid HolidaysTuition ReimbursementAbout Us
The Auto Club Group (ACG) provides membership, travel, insurance, and financial services to approximately 14+ million members and customers across 14 states and 2 U.S. territories. ACG is part of the national AAA federation and is the second largest AAA club in North America.
AAA continues to invest in advanced technology, pursue innovative products, and hire a highly skilled workforce to provide quality service and help our members enjoy life's journey through insurance, travel, financial services, and roadside assistance. We value an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints.
To learn more about AAA The Auto Club Group, visit www.aaa.com
Notice
ACG's compensation philosophy is to provide a market-competitive, fair, equitable, and performance-based pay structure. Pay ranges are based on geographic areas and other factors; salary at offer may vary.
The Auto Club Group is an equal opportunity / affirmative action employer. All qualified applicants will receive consideration 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 this job. A background and drug screen may be required as a condition of employment.
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