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AAA-The Auto Club Group · 1 day ago

Michigan Homeowners Claim Representative II

Hybrid - FL

Full-time

Hybrid

Entry, Mid Level

$64K/yr - $72K/yr

1+ years exp

AAA The Auto Club Group is seeking a Michigan Homeowners Claim Representative II to handle moderately complex claims and ensure adherence to Claim Handling Standards. The representative will conduct coverage analysis, evaluate claims, and negotiate settlements while providing excellent customer service to policyholders.

Insurance

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

Qualification

Negotiating claim settlementsPreparing manualElectronic estimatesSubrogation claimsBuilding constructionEssential Insurance ActFair Trade Practices ActIntercompany arbitrationClaims adjuster experienceCustomer service skillsResearchAnalysisEffective communication skillsProblem-solving skillsTime management

Required

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 the following: Negotiating 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

Advance knowledge of: Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, Subrogation procedures and processes, Intercompany arbitration, 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, 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, Research, analyze, and interpret subrogation laws in various states, Strong negotiating skills, Ability to work outside normal business hours as needed