Metro Detroit Field Property Claim Specialist (Homeowners Insurance)

Location: Metro Detroit, Michigan — Wayne, Oakland, and Macomb County. Hybrid field schedule, Monday-Friday, 8:30 AM-5:30 PM EST, with travel to homes, repair facilities, and other field locations. Travel outside the assigned territory and occasional overnight stays may be required.

Salary: $75,000-$88,000 annually, plus an annual company bonus incentive. A $2,500 sign-on bonus is available to qualified candidates.

Company

hirify.global provides insurance, membership, travel, financial services, and roadside assistance to members and customers across multiple US states and territories.

What you will do

• Inspect property damage and investigate homeowners claims, including claims valued over $100,000 in the field role.
• Conduct coverage analysis, review policyholder benefits, apply applicable state law, and determine payment limits, exclusions, and recovery potential.
• Prepare and review damage estimates using claims software, evaluate losses, approve payments, and monitor contractor repairs when needed.
• Contact insureds and affected parties, explain claim expectations, negotiate settlements, and provide customer service throughout the claim process.
• Document claim files, create sub-claims, complete claim closures, and refer cases to underwriting, recovery, or special investigation units.
• Travel to field locations, assist with file reviews and training, and work independently across the assigned territory.

Requirements

• Three years of experience or equivalent training in claim settlement negotiation, evidence evaluation, estimating, subrogation, coverage resolution, statements, and claim planning.
• Completion of the ACG Claim Representative Training Program or equivalent knowledge and experience.
• Eligibility to obtain a state adjuster license within 90 days of hire where required, and maintain the license as applicable.
• Valid state driver's license and ability to safely operate a motor vehicle for field inspections.
• Advanced knowledge of Michigan's Essential Insurance Act, Fair Trade Practices Act, subrogation, intercompany arbitration, simple litigation, and building construction and repair techniques.
• Ability to travel, work evenings or weekends when required, and relocate if necessary; physical ability to walk on roofs, climb ladders, and lift up to 25 pounds.

Nice to have

• Associate degree in business administration, insurance, claims, management, or a related field.
• CPCU coursework or designation and Xactware training.
• One to two years of full-cycle homeowners claims experience, including personal property, additional living expense, water loss, fire, or smoke claims.

Culture & Benefits

• Remote work from a home office for day-to-day operations, combined with required field travel under the ACG Flex Work policy.
• Medical, prescription, dental, vision, HSA, FSA, employee assistance, life insurance, disability, and supplemental insurance options.
• 401(k) plan with company matching and additional contributions, subject to eligibility and vesting terms.
• Paid time off, company holidays, mental health and volunteer days, and parental, bereavement, jury duty, and military leave.
• Tuition assistance, professional certification reimbursement, career development opportunities, AAA membership, and adoption assistance.