Chicago Property Field Claim Specialist - Chicago, IL

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Job Type:

Full time
 
Exempt/Non Exempt:

 
Salary
Job Description:

Position Schedule / Shift:

Hybrid – Field Schedule Monday – Friday: 8:30 AM EST – 5:30 PM EST.

 

Position Summary:


Join our team as a property field claim specialist serving the Chicago, Illinois area, where you’ll be the face of our claims experience and make a meaningful difference for customers during challenging times. In this role, you’ll inspect property damage, investigate claims, and work directly with homeowners to provide exceptional service and fair claim resolutions. If you enjoy working independently, building relationships, and combining problem-solving skills with field-based work, this is an opportunity to grow your career while helping customers recover 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
Advanced 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
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 Chicago, Illinois Field Property Claim Specialist earns a competitive annual salary of $78,000.00- $87,000.00, along with the opportunity for an annual company bonus incentive.