Job Type:
Full time
Salary
Job Description:
Location Details:
Detroit, Michigan
Chicago, Illinois
Minneapolis, Minnesota
Position Schedule / Shift:
Hybrid– Field schedule Monday – Friday: 8:30 AM EST – 5:30 PM EST. Some weekend hours may be required based on work assignments.
Position Summary:
Make a meaningful impact when people need it most. As a Catastrophe Field Claims Specialist, you'll be on the front lines helping customers recover after catastrophic events by conducting on-site inspections, evaluating damage, and guiding them through the claims process. This dynamic role combines problem-solving, relationship-building, and travel, offering the opportunity to deliver exceptional service while helping communities rebuild and move forward.
Key Responsibilities:
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
Claim Specialists assigned to Homeowner/CAT claim unit handle claims valued over $25,000 (for the inside desk role) and over $100,000 (for field role)
Investigate claims requiring in-depth coverage analysis
When handling claims in the field, must 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
Education:
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.
Must have a valid State Driver's License
Experience:
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
Knowledge and Skills:
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
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
Demonstrate effective communication skills (verbal and written)
Demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns
Analyze and solve problems while demonstrating sound decision-making skills
Prioritize claim related functions
Process time sensitive data and information from multiple sources
Manage time, organize and plan workload and responsibilities
Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.
Research analyze and interpret subrogation laws in various states
Travel outside of assigned territory which may involve overnight stay
Relocate, work evenings or weekends
Preferred
Education:
Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience
Completion of the Insurance Institute of America's: General Insurance Program, Associate degree in claims, Associate degree in management or equivalent
CPCU coursework or designation
Xactware Training
1-2 years of full cycle homeowners claims handling experience
Experience handling personal property and additional living expense claims
Experience with internal water loss, fire, and smoke claims
Ability to:
Walk on roofs
Climb ladders
Lift up to 25 pounds
Work Environment:
This position is currently able to work remotely from a home office location for day-to-day operations, with traveling 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 and/or modifications to the ACG Flex Work policy.
Compensation & Benefits Overview:
ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).
Compensation
A Catastrophe Field Claim Specialist earns a competitive annual salary of $70,000.00- $87,000.00, along with the opportunity for an annual company bonus incentive and additional catastrophe unit specific compensation.
Benefits
At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.
Health & Wellness
Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program (confidential support services).
Financial Protection & Insurance
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.
Retirement & Savings
401(k) plan to support long-term financial goals. 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax. Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting. Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.
Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.
Time Off & Leave
Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment. Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements. Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.
Paid Holidays: Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules. Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays vary by business unit schedules.
Paid leave programs, including parental, bereavement, jury duty, and military leave.
Career Growth & Education
Tuition assistance (up to $5,250 annually; 80% covered by ACG).
Professional certification support with 100% reimbursement for eligible programs.
Opportunities for career development and advancement.
Additional Perks
Complimentary AAA membership with roadside assistance and travel discounts.
Adoption assistance program.
Job Posting Period:
This position is expected to remain posted through October 30, 2026; however, it may close at any time once a qualified candidate pool is identified.
Who We Are
Become a part of something bigger.
The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.
By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.
And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.
We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.
To learn more about AAA The Auto Club Group visit www.aaa.com
Important Note:
ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.
The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.
The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment 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 the function of this job.
AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.
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