Claim Specialist – Property Field Inspection

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

📋 Description

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

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

• Serve as the initial point of contact for insured clients.

• Clarify coverage details and assess damages accurately.

• Assist policyholders throughout the claims process while delivering outstanding service.

• Collaborate with policyholders, insurance agents, and other relevant stakeholders.

• Collect information and resolve claims in an efficient manner.

• Engage with individuals who may have strong emotions or concerns.

• Provide excellent customer service and address any inquiries or issues.

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

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

• Assess coverage and policy terms to ensure claim validity and compliance with regulations.

• Negotiate and settle claims within designated authority limits.

• Work remotely and utilize a mobile office or vehicle for field appointments.

• Serve the designated Des Moines-area territory, with occasional travel to assist other regions.

• Engage in virtual work from home as necessary.

⛳️ Requirements

• A seasoned and highly capable professional.

• Strong ability to investigate issues, evaluate data, and make informed decisions.

• Proficient in interpreting detailed policies, guidelines, or technical information and applying them appropriately.

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

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

• Excellent communication and interpersonal skills for managing challenging or emotional discussions.

• Detail-oriented with robust organizational and analytical capabilities.

• Proficient in using mobile and desktop tools to document and support claims both in the field and remotely.

• Physical capability to walk, bend, reach, kneel, squat, stoop, lift, carry, unfold, climb ladders, navigate roofs, and crawl in tight spaces.

• May need to complete Rope and Harness Safety Training.

• A valid driver's license is required.

• Must successfully complete necessary training, relevant proficiency and licensing examinations, Motor Vehicle Record checks, and background investigations.

• Willingness and flexibility to work varied schedules, including overtime and irregular hours.

• Preferred: Bachelor's degree in Risk Management, Insurance, Business, Construction Management, or a related field.

• Preferred: Experience in customer service.

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

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

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

• Preferred: Practical knowledge of Xactimate and XactContents.

🏝️ Benefits

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

• Annual salary increases and bonuses.

• Health and wellness programs.

• State Farm covers a significant portion of healthcare premiums.

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

• Complete coverage for in-network preventative care.

• Vision, dental, telemedicine services, and 24/7 mental health professionals available.

• Industry-leading training programs.

• Tuition assistance programs.

• Employee resource groups.

• Mentoring opportunities.

• Assistance with fertility, IVF, and adoption.

• College coaching available.

• National discount programs.

• Interactive monthly financial workshops.

• Complimentary financial coaching.

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

• Up to 20 days of annual leave initially.

• Parental leave offered.

• Paid holidays.

• Celebration day.

• Life leave (40 hours per year).

• Bereavement leave provided.

• Community service and educational support days.

• Matching Gift Program.

• Good Neighbor Grant Program.

• Employee Assistance Fund.

• Complimentary access to financial advisors.

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

• Work remotely using a mobile office or vehicle for in-person appointments.

• Flexible work schedules.