Field Property Claim Specialist

AAA

Field property claims specialist inspecting damage and resolving homeowners’ claims for AAA’s insurance and roadside-services organization. Serving Detroit-area customers through hybrid home-office and field work.

Posted 8/31/2026full-timeDetroit • Missouri • 🇺🇸 United StatesMid-LevelSenior💰 $70,000 - $85,000 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 software to evaluate damages and manage claims effectively.

Highest-signal resume keywords

Advanced Knowledge Of Essential Insurance ActNegotiation Of Claim SettlementsSubrogation Procedures And ProcessesClaims Management System ProficiencyEffective Verbal And Written Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims ReviewCoverage AnalysisDamage EstimationClaims DocumentationClaims NegotiationSubrogation Claims HandlingBuilding Construction KnowledgeClaim EvaluationInsurance Policy KnowledgeField Claims Handling

Soft Skills

Customer Service SkillsProblem-Solving SkillsTime Management SkillsOrganizational SkillsRelationship Building

Tools & Technologies

Claims Management SoftwareXactware

Certifications & Qualifications

State Adjuster’s LicenseCompletion Of ACG Claim Representative Training ProgramCPCU Coursework Or Designation

Industry Keywords

Fair Trade Practices ActIntercompany ArbitrationClaim Handling StandardsHomeowner ClaimsInsurance Industry

About the role

Key responsibilities & impact

Review assigned claims
Contact insureds and other affected parties
Set expectations for the remainder of the claim process and initiate documentation in the claim handling system
Complete complex coverage analyses
Identify all possible policyholder benefits
Create additional sub-claims when needed
Investigate claim facts in detail to determine payment, applicable limits or exclusions, and recovery potential
Review damages and determine applicability of state law and other claim-related factors
Evaluate the financial value of losses
Approve payments for 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
Prepare damage estimates using claims software
Review estimates for accuracy
Monitor contractor repair status when applicable
Assist the Claim Manager with file reviews and training when applicable
Serve as the face of the claims experience for Metro Detroit customers
Inspect property damage and work directly with homeowners to provide service and fair claim resolutions

Requirements

What you’ll need

Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
In states where required, eligible to acquire a State Adjuster’s license within 90 days of hire and maintain it as specified
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
Knowledge of handling simple litigation
Advanced knowledge of building construction and repair techniques
Ability to handle claims according to Claim Handling Standards
Ability to follow 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 reviews and investigations
Effective verbal and written communication skills
Customer service skills and ability to build and maintain relationships with insureds/claimants
Problem-solving and sound decision-making skills
Ability to prioritize claim-related functions
Ability to process time-sensitive data and information 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
Ability to travel outside the assigned territory, potentially involving overnight stays
Ability to relocate and work evenings or weekends
Preferred: Associate degree in Business Administration, Insurance, or related field, or equivalent related work experience
Preferred: Completion of the Insurance Institute of America's General Insurance Program, associate degree in claims, associate degree in management, or equivalent
Preferred: CPCU coursework or designation
Preferred: Xactware Training
Preferred: 1–2 years of full-cycle homeowners claims handling experience
Preferred: Experience handling 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 screen required for employment

Benefits

Comp & perks

$2,500 sign-on bonus for 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 match and additional company contribution
Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options
Paid Time Off (PTO)
10 company-paid holidays annually for full-time employees
1 mental health day, 2 floating holidays, and 1 volunteer day for full-time employees
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 remote home-office operations and field travel