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 both residential and commercial properties.

• Serve as the initial point of contact for insured individuals, explaining coverage details, estimating damages, and guiding them through the claims process.

• Collaborate with policyholders, insurance agents, and other parties to gather necessary information and resolve claims efficiently.

• Engage with individuals who may express strong emotions or concerns regarding inspections or claims resolutions.

• Deliver outstanding customer service by addressing inquiries and concerns in a prompt and professional manner.

• Collect evidence, document observations, and prepare comprehensive reports.

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

• Assess coverage and policy terms to validate claims while ensuring compliance with local regulations.

• Negotiate and settle claims within authorized limits, adhering to policy provisions, industry standards, and company guidelines.

• Operate from home and utilize a mobile office/vehicle for field appointments.

• Occasionally travel outside of the designated area to support other territories.

⛳️ 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 information and applying them accurately.

• Quick learner of unfamiliar concepts, processes, and terminology.

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

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

• Detail-oriented with excellent organizational and analytical abilities.

• Proficient in using mobile and desktop tools for documenting and supporting claims both in the field and remotely.

• Physically agile for activities such as walking, bending, reaching, kneeling, squatting, lifting, carrying, unfolding, climbing ladders, traversing roofs, and crawling in confined spaces.

• May need to complete Rope and Harness Safety Training.

• A valid driver's license is required.

• Must reside within one of the specified zip codes and service the corresponding territory.

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

• Successful completion of required training, applicable proficiency and licensing exams, MVR checks, and background checks is necessary.

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

• Preferred: Experience in customer service.

• Preferred: Knowledge of property insurance concepts, coverage fundamentals, and claims handling practices.

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

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

• Preferred: Working knowledge of Xactimate and XactContents.

🏝️ Benefits

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

• Annual raise and bonus opportunities.

• State Farm covers most of the healthcare premium costs.

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

• 100% coverage for in-network preventative care.

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

• Industry-leading training programs.

• Tuition assistance programs available.

• Employee resource groups for support.

• Mentorship opportunities.

• Assistance with fertility, IVF, and adoption.

• College coaching services offered.

• National discount programs available.

• Interactive monthly financial workshops.

• Free financial coaching services provided.

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

• Generous time off policies in place.

• Earn up to 20 days of leave annually at the start.

• Parental leave is offered.

• Paid holidays included.

• Celebration day recognized.

• Life leave (40 hours per year) available.

• Bereavement leave provided.

• Community service and education support days offered.

• Matching Gift Program available.

• Good Neighbor Grant Program in place.

• Employee Assistance Fund accessible.

• Free access to financial advisors.

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

• Opportunities for remote-field work from home utilizing a mobile office/vehicle.

• Virtual work opportunities available at home.