Metro Detroit Property Field Claim Specialist (Insurance)

Location: Detroit, Michigan, serving Wayne, Oakland, and Macomb County; hybrid home-office and field schedule with travel to inspection locations. Monday–Friday, 8:30 AM–5:30 PM EST. Travel outside the assigned territory and occasional overnight stays may be required.

Annual salary: $70,000–$85,000, 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 through AAA and affiliated brands across the United States.

What you will do

• Review assigned homeowner and catastrophe property claims and contact insureds and other affected parties.
• Investigate claim facts, assess coverage, policy benefits, exclusions, recovery potential, and applicable state laws.
• Inspect property damage and prepare, review, and update damage estimates using claims software.
• Evaluate losses, negotiate settlements, approve appropriate payments, and create additional sub-claims when needed.
• Document, code, and close claim files in the claims management system, referring cases to underwriting, recovery, or special investigation units when necessary.
• Monitor contractor repairs when needed and support claim file reviews and training.

Requirements

• Complete the ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
• Have three years of experience or equivalent training in claim settlement negotiation, evidence evaluation, estimating, subrogation, coverage resolution, statements, and claim planning.
• Be eligible to obtain a state adjuster’s license within 90 days of hire where required and maintain it as applicable.
• Hold a valid state driver’s license and safely operate a vehicle for property inspections and field visits.
• Demonstrate advanced knowledge of Michigan insurance law, fair trade practices, subrogation, intercompany arbitration, simple litigation, and building construction and repair techniques.
• Be able to travel outside the assigned territory, potentially stay overnight, and work evenings or weekends when required.

Nice to have

• Associate degree in business administration, insurance, claims, management, or a related field.
• CPCU coursework or designation, Xactware training, or completion of the Insurance Institute of America’s General Insurance Program.
• 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

• Hybrid home-office work for day-to-day operations with field travel as necessary.
• Medical, prescription, dental, vision, HSA, FSA, employee assistance, life insurance, disability, critical illness, accident, and pet insurance options.
• 401(k) plan with company matching and additional contributions, subject to eligibility and vesting rules.
• Paid time off, paid holidays, mental health and floating holidays, volunteer time, and parental, bereavement, jury duty, and military leave.
• Tuition assistance, professional certification reimbursement, career development opportunities, AAA membership, and adoption assistance.

Hiring process

• Employment offers are subject to a background check and drug screen based on position requirements.