Property Desk Claims Specialist

AAA

Property Desk Claims Specialist managing complex technical insurance claims for AAA members. Responsible for evaluation, negotiations, and documentation of claims processes.

Posted 4/23/2026full-timeFremont • Missouri • 🇺🇸 United StatesMid-LevelSenior💰 $74,900 - $90,000 per yearWebsite

About the role

Key responsibilities & impact

Work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims.
Claim handling responsibilities will include the following: 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.

Requirements

What you’ll need

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.
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
Advanced knowledge of: Essential Insurance Act (Michigan) Fair Trade Practices Act as it relates to claims subrogation procedures and processes intercompany arbitration handling simple litigation advanced knowledge of building 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

Benefits

Comp & perks

Medical, dental and vision benefits
401k Match
Paid parental leave and adoption assistance
Paid Time Off (PTO), company paid holidays, CEO days, and floating holidays
Paid volunteer day annually
Tuition assistance program, professional certification reimbursement program and other professional development opportunities
AAA Membership Discounts, perks, and rewards and much more

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

claim handlingcoverage analysisnegotiation of claim settlementsevidence evaluationmanual estimateselectronic estimatessubrogation claimsclaim file reviewinvestigationsbuilding construction techniques

Soft Skills

strong negotiating skillsability to handle complex technical issuescommunication with insured partiessetting expectationsdocumentation skillsorganizational skillsproblem-solving skillsattention to detaildecision-makinginterpersonal skills

Certifications

ACG Claim Representative Training ProgramState Adjuster’s license