Property Claims Specialist

AAA

Claims Specialist managing complex property desk claims for AAA in Michigan. Evaluating coverage, conducting investigations, and ensuring policyholder benefits are maximized.

Posted 5/1/2026full-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.

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

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 analysisinvestigation of claimsfinancial evaluationnegotiation of claim settlementspreparing estimatessubrogation claimsresolving coverage questionsdocumentation in claims management systemcoding claim files

Soft Skills

communicationproblem-solvingattention to detailorganizational skillsdecision-makinginterpersonal skillstime managementanalytical thinkingadaptabilityconflict resolution

Certifications

State Adjuster's licenseACG Claim Representative Training Program