Catastrophe Field Claims Specialist (Insurance)

Location: Hybrid field role based in Michigan, with field locations in Detroit, Chicago, and Minneapolis. The schedule is Monday-Friday, 8:30 AM-5:30 PM EST, with possible weekend work, travel outside the assigned territory, and occasional overnight stays. Remote work from a home office is available for day-to-day operations, with travel to homes, repair facilities, and other field locations as required. Relocation may be required.

Salary: $70,000-$85,000 annually, plus an annual company bonus incentive and additional catastrophe-unit compensation.

Company

hirify.global provides membership, travel, insurance, financial services, and roadside assistance to approximately 14 million members and customers across 14 states and two U.S. territories.

What you will do

• Review assigned catastrophe claims, contact insureds and affected parties, set expectations, and document claim activity.
• Conduct on-site inspections, investigate claim facts, evaluate damage and loss values, and prepare estimates using claims software.
• Perform complex coverage analysis, determine applicable benefits, limits, exclusions, state law, and recovery potential.
• Negotiate settlements, approve appropriate payments, and create additional sub-claims when needed.
• Refer claims to underwriting, recovery, or special investigation units and complete claim closure activities.
• Monitor contractor repairs when necessary and assist with file reviews and training.

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 required state adjuster license within 90 days of hire and maintain it as required.
• 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 related to claims, subrogation, intercompany arbitration, simple litigation, and building construction and repair techniques.
• Ability to travel outside the assigned territory, work evenings or weekends, analyze time-sensitive information, negotiate, and manage multiple claims.

Nice to have

• Associate degree in business administration, insurance, claims, management, or a related field.
• CPCU coursework or designation, Insurance Institute of America General Insurance Program, or Xactware training.
• One to two years of full-cycle homeowners claims experience, including personal property, additional living expense, water loss, fire, or smoke claims.
• Ability to walk on roofs, climb ladders, and lift up to 25 pounds.

Culture & Benefits

• Medical, prescription, dental, vision, HSA, FSA, and employee assistance program benefits.
• Company-paid life insurance, disability coverage, and optional supplemental insurance.
• 401(k) with company matching and additional contributions, subject to eligibility and vesting terms.
• Paid time off, company holidays, mental health and floating holidays, volunteer time, and paid leave programs.
• Tuition assistance, professional certification reimbursement, career development opportunities, complimentary AAA membership, and adoption assistance.