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Insurance Claim Representative Jobs in Michigan (NOW HIRING)

NJ CURE

Auto Claims Representative

Detroit, MI · On-site

$23 - $30/hr

... disability insurance, 401k with generous company match, and much more! CURE's Auto Claims Representative Program is designed to develop the fundamental skills required for a successful claim ...

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Insurance Claim Representative information

See Michigan salary details

$6

$21

$34

How much do insurance claim representative jobs pay per hour?

As of Aug 6, 2026, the average hourly pay for insurance claim representative in Michigan is $21.41, according to ZipRecruiter salary data. Most workers in this role earn between $15.48 and $25.14 per hour, depending on experience, location, and employer.

What does an insurance claim representative do?

An Insurance Claim Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of the claim, review documentation, and determine the validity of the claim in accordance with policy terms. Their duties often include interviewing claimants and witnesses, inspecting property damage, and negotiating settlements. The goal is to ensure fair outcomes for both the insurance company and the customer, while adhering to legal and regulatory requirements.

What are the key skills and qualifications needed to thrive as an insurance claim representative, and why are they important?

To thrive as an Insurance Claim Representative, you need a strong understanding of insurance policies, claims processing, and investigation, usually supported by a relevant degree or experience in the insurance industry. Familiarity with claims management systems, documentation software, and sometimes industry certifications like AINS or CPCU is important. Excellent communication, negotiation, and problem-solving skills help in effectively resolving claims and managing customer expectations. These abilities are essential to ensure accurate claim assessments, maintain customer trust, and support the financial health of the insurance provider.

Is it hard to be an insurance claim representative?

Being an insurance claim representative involves handling complex cases, requiring strong communication, attention to detail, and knowledge of insurance policies. The job can be demanding due to the need to evaluate claims accurately and manage customer interactions, but it is generally manageable with proper training and experience.

How do insurance claim representatives typically collaborate with other departments during the claims process?

Insurance Claim Representatives frequently work closely with underwriting, legal, and field adjuster teams to ensure thorough evaluation and resolution of claims. They often consult with underwriters to clarify policy coverage, coordinate with adjusters for on-site assessments, and partner with legal teams on complex or disputed claims. This cross-functional collaboration ensures each claim is handled efficiently and accurately, providing both customers and the company with fair outcomes. Effective communication and teamwork are essential skills for success in this role.
What are popular job titles related to Insurance Claim Representative jobs in Michigan? For Insurance Claim Representative jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Insurance Claim Representative jobs in Michigan look for? The top searched job categories for Insurance Claim Representative jobs in Michigan are:
Insurance Claim Representative jobs near you
Infographic showing various Insurance Claim Representative job openings in Michigan as of July 2026, with employment types broken down into 80% Full Time, 18% Part Time, 1% Contract, and 1% Nights. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $44,531 per year, or $21.4 per hour.

Property Claims Representative (Desk Adjuster)

Hastings Mutual Insurance Company

Hastings, MI • On-site, Remote

Full-time

Retirement, PTO

Re-posted 21 days ago

Job description

Deliver fair, timely outcomes on property claims while supporting customers through the moments that matter most.
Hastings Insurance is seeking a Property Claims Representative (Desk Adjuster) to join our Claim team. This role is responsible for investigating, evaluating, and resolving property claims from initial report through final settlement, all within a desk-based environment. You will play a key role in delivering a smooth and supportive claim experience, balancing customer service with sound decision-making and attention to detail.
Location & Work Eligibility Requirements:
  • This position is posted at our base claim representative level, with flexibility to consider more experienced property adjusters for alignment at a higher level based on background and expertise.
  • Candidates newer to property claims should be located within a reasonable distance of our Hastings, Michigan headquarters to support in-person training and onboarding.
  • Experienced property adjusters may be considered for remote work within our five-state footprint of Michigan, Ohio, Indiana, Illinois, or Wisconsin.
  • Regardless of location, this role follows a standard Monday through Friday schedule during our core business hours of 8:00 a.m. to 4:30 p.m.

What You'll Do:
  • Manage a personal caseload of property claims from initial assignment through resolution.
  • Investigate losses by reviewing claim details, gathering documentation, and assessing coverage.
  • Evaluate damages and determine appropriate settlement outcomes within authority.
  • Communicate clearly and consistently with policyholders, agents, and vendors throughout the claim process.
  • Review estimates, invoices, and supporting documentation to ensure accuracy and completeness.
  • Coordinate with contractors, adjusters, and other service providers as needed.
  • Identify and pursue salvage and subrogation opportunities when applicable.
  • Establish and maintain appropriate reserves throughout the life of each claim.
  • Document all claim activity thoroughly and accurately within the claim system.
  • Identify potential fraud indicators and refer as appropriate.
  • Collaborate with internal partners across underwriting, loss control, and other departments.
  • Participate in ongoing learning and development to build claim knowledge and expertise.

What You'll Bring:
  • Bachelor's degree preferred or equivalent combination of education and experience.
  • Prior experience in property claims adjusting preferred for more experienced candidates.
  • Strong customer service and communication skills.
  • Ability to make sound decisions and apply critical thinking in claim situations.
  • Comfort managing multiple tasks and priorities in a structured environment.
  • Basic computer skills, including Microsoft Office.
  • Strong organizational skills and attention to detail.
  • Ability to work both independently and as part of a team.

About Hastings Insurance:
For more than 135 years, Hastings Insurance has helped individuals, families, and businesses protect what matters most. As a trusted partner to independent agents and policyholders, we've earned a reputation for financial strength, exceptional service, and long-term stability, including an A (Excellent) financial strength rating from A.M. Best.
While we're proud of our history, we're equally focused on the future. We're investing in technology, strengthening partnerships with independent agents, and continuously evolving our products and services to meet the changing needs of our customers.
Just as importantly, we're investing in our people. Employees enjoy a collaborative, down-to-earth culture where initiative is valued, growth is encouraged, and good work is recognized. We offer competitive pay and benefits, including a 401(k) with company matching contributions, generous paid time off, tuition and professional development assistance, and company performance-based incentive compensation opportunities.
Our Organizational Commitment:
At Hastings Insurance, we believe our people are our greatest strength. We foster a workplace where employees are treated with respect, supported in their growth, and empowered to contribute. We know that diverse perspectives lead to stronger collaboration, better decisions, and better outcomes for our customers and communities.
We are proud to be an equal opportunity employer. Employment decisions are based on business needs, job requirements, and individual qualifications, without regard to any legally protected characteristic.
If you require a reasonable accommodation during the application or interview process, please contact our Talent Acquisition team at 800-442-8277.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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