Michigan Homeowners Claim Representative II

AAA The Auto Club Group is committed to driving your career forward, and they are seeking a Michigan Homeowners Claim Representative II. This role involves handling moderately complex claims, conducting investigations, and ensuring policyholder benefits are identified and processed accordingly. Responsibilities Work under normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards in the field or inside units, resolve coverage questions, take statements, and establish clear evaluation and resolution plans for claims Review assigned claims, contact the insured and other affected parties, set expectations for the remainder of the claim, and initiate documentation in the claim handling system Complete coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss Ensure all possible policyholder benefits are identified, create additional sub-claims if needed or refer complex claims to management or the appropriate claim handler 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 Skills Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience in property adjusting 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 One year of experience or equivalent training in negotiating claim settlements One year of experience or equivalent training in securing and evaluating evidence One year of experience or equivalent training in preparing manual and electronic estimates One year of experience or equivalent training in subrogation claims One year of experience or equivalent training in resolving coverage questions One year of experience or equivalent training in taking statements One year of experience or equivalent training in establishing clear evaluation and resolution plans for claims Advance knowledge of Essential Insurance Act (Michigan) Advance knowledge of Fair Trade Practices Act as it relates to claims Advance knowledge of subrogation procedures and processes Advance knowledge of intercompany arbitration Knowledge of building construction and repair techniques Ability to handle claims to the line 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 review and investigations Ability to demonstrate effective communication skills (verbal and written) Ability to demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns Ability to analyze and solve problems while demonstrating sound decision making skills Ability to prioritize claim related functions Ability to process time sensitive data and information from multiple sources Ability to manage time, organize and plan workload and responsibilities Ability to research, analyze, and interpret subrogation laws in various states Strong negotiating skills Ability to work outside normal business hours as needed Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience Xactimate software experience/training or experience in an equivalent software Claims adjuster experience specifically in home/property claims preferred Experience working within a customer service setting Call center experience or experience handling high volume calls preferred, but not required Excellent communication skills both oral and written Experience working within an insurance or claims-based role for one year or more Full claims cycle experience preferred Benefits 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 Company Overview AAA - The Auto Club Group (ACG) is the second largest AAA club in North America, serving more than 13+ million members across 14 U.S. It was founded in 1901, and is headquartered in Dearborn, MI, US, with a workforce of 5001-10000 employees. Its website is