Desk Homeowners Claim Representative II

Join The Auto Club Group Team

It's a great time to join AAA The Auto Club Group! Become a part of something bigger. The Auto Club Group 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.

Position Description

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. Claim handling responsibilities will include the following : reviewing assigned claims, contacting the insured and other affected parties, setting expectations for the remainder of the claim, and initiating 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.

Required Qualifications

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. 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. Experience : One year of experience with : 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 Knowledge and Skills : 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 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 strong negotiating skills

Preferred Qualifications

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 in Claims, associate in management or equivalent Xactimate experience Excellent customer service skills Excellent communication skills both oral and written Call center or queue calling experience preferred, but not required Knowledge of full cycle claim handling Active Florida Adjuster's License

Work Environment

This is a hybrid work arrangement (time spent in office and remote). Depending on the employee's role and leadership's assessment, some employees will come into an ACG facility on a weekly basis, a monthly basis, or on an "as needed" basis for key meetings and collaborative activities. Most employees will be required to come into the office, at a minimum, for important departmental meetings or teambuilding events. Preferred applicants should reside within 50 miles of the Tampa, FL area.

Benefits

Our Auto Club Group Desk Homeowners Claim Representative II earns a competitive salary of $58,000 - $72,000 to start along with the opportunity for an annual company bonus incentive. Excellent and comprehensive benefits packages are just another reason to work for the Auto Club Group. Benefits include : 401k Match Medical Dental Vision PTO Paid Holidays Tuition Reimbursement

Equal Opportunity Employer

As an equal opportunity employer, ACG is committed to providing equal opportunity in all employment practices, including but not limited to : selection, hiring, assignment, re-assignment, promotion, transfer, compensation, evaluation, benefits, training and development, discipline and termination. The company prohibits discrimination, harassment, and retaliation in employment based on race, color, religion, national origin, gender, sexual preference / orientation, marital status, pregnancy, childbirth or related medical conditions, age, disability or handicap, citizenship status, service member status, genetic information, or any other category protected by federal, state, or local law. Violation of this policy may result in disciplinary action including termination of employment.