Field Property Claim Specialist

AAA

Field property claims specialist inspecting damage, investigating claims, and resolving homeowner losses for AAA insurance customers. Hybrid home-office and field role serving the Saginaw, Michigan area.

Posted 9/10/2026full-timeSaginaw • Missouri • 🇺🇸 United StatesMid-LevelSenior💰 $75,000 - $88,000 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 enhance customer service and relationship-building.

Highest-signal resume keywords

Claims Settlement NegotiationAdvanced Knowledge of Essential Insurance ActSubrogation Procedures and ProcessesClaims Management System ProficiencyEffective Verbal and Written Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Coverage AnalysisClaims DocumentationDamage EstimationClaims InvestigationClaims CodingField Claims HandlingSubrogation ClaimsClaim EvaluationInsurance Policy KnowledgeBuilding Construction Techniques

Soft Skills

Customer Service SkillsProblem-Solving SkillsTime Management SkillsOrganizational SkillsRelationship-Building Skills

Tools & Technologies

Claims Management SystemClaims SoftwareBasic PC Software

Certifications & Qualifications

State Adjuster’s LicenseACG Claim Representative Training ProgramCPCU Coursework or Designation

Industry Keywords

Fair Trade Practices ActIntercompany ArbitrationHomeowner ClaimsLitigation HandlingInsurance Claims Standards

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 damages and determine applicability of state law and other claim-related factors
Evaluate the financial value of losses and approve payments to appropriate parties
Refer claims to Underwriting, Recovery Units, or the Claims Special Investigation Unit 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
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
Serve as the face of the claims experience for homeowners in the Saginaw, Michigan area
Travel to repair facilities and homes for inspections and other field responsibilities

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
Must have a 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)
Advanced knowledge of Fair Trade Practices Act as it relates to claims
Advanced knowledge of subrogation procedures and processes
Advanced knowledge of intercompany arbitration
Advanced 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 and sound decision-making skills
Ability to prioritize claim-related functions and process time-sensitive data 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
Willingness to travel outside the assigned territory, potentially overnight
Willingness to relocate and work evenings or weekends
Preferred: Associate degree in Business Administration, Insurance, or related field, or equivalent related work experience
Preferred: Insurance Institute of America's General Insurance Program, Associate degree in claims/management, or equivalent
Preferred: CPCU coursework or designation
Preferred: Xactware Training
Preferred: 1–2 years of full-cycle homeowners claims handling experience
Preferred: Experience with 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
Background and drug screening required upon offer
Regular and reliable attendance is essential

Benefits

Comp & perks

$2,500.00 sign-on bonus to qualified candidates
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)
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
Hybrid work arrangement with home-office work and field travel