Job DescriptionClaim Rep II - Desk Homeowners (Remote) - The Auto Club GroupWhat you will do: (Primary Duties & Responsibilities)The Auto Club Group is seeking prospective Claim Representative II who can 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.In This Position, You Will Have The Opportunity ToReview 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 (eg, 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.Employees assigned to Homeowner/CAT claim unit will handle claims generally valued between $5,000 and $25,000 (for the inside desk role) and up to $100,000 (for field role). Investigate claims requiring coverage analysis. When handling claims in the field, must prepare damage estimates using claims software. Review estimates for accuracy. May monitor contractor repair status and updates.With our powerful brand and the mentoring we offer, you will find your position as a Claims Representative II can lead to a rewarding career at our growing organization.How You Will BenefitClaim Representatives will earn a competitive salary of $53,300 to $94,700 annually with annual bonus potential based on performance.Excellent and comprehensive benefits packages are just another reason to work for the Auto Club Group. Benefits include:401k MatchMedicalDentalVisionPTOPaid HolidaysTuition ReimbursementQualificationsWe're looking for candidates who: (Preferred/Required Qualifications)EducationAssociate degree in Business Administration, Insurance or a related field or the equivalent in related work experienceCompletion of the Insurance Institute of America's: General Insurance Program, Associate in Claims, Associate in Management or equivalentCPCU coursework or designationXactware TrainingComplete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experienceIn 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.ExperienceOne year of experience or equivalent training in the following:Negotiating claim settlementsSecuring and evaluating evidencePreparing manual and electronic estimatesSubrogation claimsResolving coverage questionsTaking statementsEstablishing clear evaluation and resolution plans for claims Advanced Knowledge OfKnowledge and Skills:Essential Insurance Act (Michigan)Fair Trade Practices Act as it relates to claimsSubrogation procedures and processesIntercompany arbitration Knowledge OfKnowledge of building construction and repair techniquesAbility ToHandle claims to the line Claim Handling StandardsFollow and apply ACG Claim policies, procedures and guidelinesWork within assigned ACG Claim systems including basic PC softwarePerform basic claim file review and investigationsDemonstrate 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 concernsAnalyze and solve problems while demonstrating sound decision making skillsPrioritize claim related functionsProcess time sensitive data and information from multiple sourcesManage time, organize and plan work load and responsibilitiesResearch analyze and interpret subrogation laws in various statesStrong negotiating skillsAbility to work outside normal business hours as neededWhat It's Like To Work For UsWe serve our members by making their satisfaction our highest priority. We do what's right by sustaining an open, honest and ethical work environment. We lead in everything we do by offering best-in-class products, benefits and services. And we value our employees by seeking the best talent, rewarding high performance and holding ourselves accountable.All in all, we create an inclusive and welcoming environment of diverse backgrounds, experiences and viewpoints, realizing our differences make us stronger.Who We AreThe Auto Club Group helps AAA Members enjoy life's journey with peace of mind by providing innovative solutions, advocacy and membership benefits wherever and whenever they need them. We currently conduct business in 13 states in the upper Midwest and the Southeast.The Auto Club Group has established four long-term enterprise goals:Long-term, sustainable, profitable growthAAA Membership growth and renewalOperational excellenceBecome the "flagship club"A' of the AAA FederationImportant NoteACG'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 principle 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 fulfil these requirements.The Auto Club Group, and all of its affiliated companies, is an equal opportunity/affirmative action 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.