Claim Specialist – Property Field Inspection

This is a fully remote position, open to applicants in California.

📋 Description

• Perform on-site evaluations and inspections of damages to residential and commercial properties.

• Manage claims related to accidents and adverse weather for homeowners, commercial properties, and significant losses.

• Serve as the initial point of contact for insureds, clarifying coverage, estimating damages, and guiding them through the claims process.

• Collaborate with policyholders, insurance agents, and other relevant parties to collect information and resolve claims.

• Deliver outstanding customer service while addressing inquiries and concerns.

• Collect evidence, document findings, and compile comprehensive reports.

• Investigate and adjust claims for personal and commercial properties with exposures up to $500,000.

• Assess coverage and policy conditions for claim legitimacy and adherence to regulations.

• Negotiate and settle claims within the authorized limits, policy provisions, industry standards, and company protocols.

• Serve the designated San Francisco area and travel outside it occasionally to support other regions.

• Work remotely and utilize a mobile office/vehicle for in-person appointments.

• Perform virtual tasks from home when applicable.

⛳️ Requirements

• Must be an experienced and highly skilled professional.

• Capable of investigating issues, evaluating information, and making well-supported decisions.

• Proficient in interpreting detailed policies, guidelines, or technical details and applying them correctly.

• Quick to learn new concepts, processes, and terminology.

• Effective in interacting with policyholders, agents, and other stakeholders.

• Strong communication and interpersonal skills for handling difficult or emotional conversations.

• Detail-oriented with exceptional organizational and analytical abilities.

• Skilled in using mobile and desktop applications to document and support claims both in the field and remotely.

• Physically capable of walking, bending, reaching, kneeling, squatting, stooping, lifting, carrying, unfolding, climbing ladders, traversing roofs, and crawling in tight spaces.

• May need to complete Rope and Harness Safety Training.

• A valid driver's license is required.

• Must successfully complete necessary training, proficiency and licensing exams, Motor Vehicle Record evaluations, and background checks.

• Preferred: Bachelor’s Degree in a related field such as Risk Management, Insurance, Business, Construction Management, or similar.

• Preferred: Experience in customer service.

• Preferred: Knowledge of property insurance concepts and general claims handling practices.

• Preferred: Basic understanding of residential and commercial building construction and materials.

• Preferred: Familiarity with water mitigation principles and inspection methods.

• Preferred: Working knowledge of Xactimate and XactContents.

• Must be willing to work flexible schedules, overtime, and/or irregular hours.

• Competitive candidates must reside within one of the designated San Francisco-area zip codes.

🏝️ Benefits

• Annual raise and bonus opportunities.

• Health and wellness programs.

• Employer-covered portion of healthcare premiums.

• Various healthcare plan options, including a high deductible plan.

• Medical plans with 100% in-network preventive care coverage.

• Vision, dental, telemedicine, and access to 24/7 mental health professionals.

• Industry-leading training programs.

• Tuition assistance initiatives.

• Employee resource groups.

• Mentoring opportunities.

• Assistance for fertility/IVF/adoption.

• College coaching services.

• National discount programs.

• Engaging monthly financial workshops.

• Complimentary financial coaching.

• Savings and financing options through State Farm Federal Credit Union.

• Generous paid time off policies.

• Initial annual leave of up to 20 days.

• Parental leave provisions.

• Paid holidays.

• Celebration day.

• Life leave (40 hours/year).

• Bereavement leave.

• Community service and education support days.

• Matching Gift Program.

• Good Neighbor Grant Program.

• Employee Assistance Fund.

• Access to free financial advisors.

• 401(k) plan with company contributions of up to 7% of salary.

• Flexible/virtual work opportunities from home.

• Potential annual incentive pay of up to 15% of base salary.