Claim Specialist – Property Field Inspection

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

📋 Description

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

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

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

• Clarify coverage details and assess damages.

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

• Work collaboratively with policyholders, insurance representatives, and other relevant parties.

• Collect evidence and document findings thoroughly.

• Create comprehensive reports that support the claims handling process.

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

• Assess coverage and policy conditions to determine the validity of claims and ensure regulatory compliance.

• Negotiate and resolve claims within authorized limits.

• Address inquiries and concerns in a prompt and professional manner.

• Service the designated Mason City, Iowa area while occasionally traveling to assist in other regions.

⛳️ Requirements

• Must be an experienced and highly competent professional.

• Ability to investigate issues, assess information, and make informed decisions.

• Capability to interpret complex policies, guidelines, or technical information and apply them accurately.

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

• Strong interpersonal skills to effectively engage with policyholders, agents, and stakeholders.

• Excellent communication skills for managing difficult or emotional conversations.

• Detail-oriented with robust organizational and analytical skills.

• Proficient in utilizing mobile and desktop tools to document and support claims in both field and remote settings.

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

• May need to complete Rope and Harness Safety Training.

• A valid driver’s license is required.

• Candidates must successfully complete mandatory training, relevant proficiency and licensing examinations, MVR checks, and background screenings.

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

• Preferred: Experience in customer service.

• Preferred: Understanding of property insurance concepts and claims processing practices.

• Preferred: Knowledge of residential and commercial construction and materials.

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

• Preferred: Working knowledge of Xactimate and XactContents.

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

🏝️ Benefits

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

• Regular annual raises and bonus opportunities.

• State Farm covers a significant portion of your healthcare premium.

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

• Full coverage for in-network preventive care.

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

• Industry-leading training programs.

• Tuition assistance programs available.

• Employee resource groups for support.

• Mentoring opportunities.

• Assistance with fertility, IVF, and adoption.

• College coaching services.

• Access to national discount programs.

• Participation in interactive monthly financial workshops.

• Free financial coaching services.

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

• Earn up to 20 days of paid time off annually.

• Parental leave benefits.

• Paid holidays and a special celebration day.

• Life leave (40 hours per year) and bereavement leave.

• Community service and education support days.

• Matching Gift Program for charitable contributions.

• Good Neighbor Grant Program available.

• Employee Assistance Fund for additional support.

• Free access to financial advisors.

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

• Opportunity for remote work from home with mobile office/vehicle arrangements.

• Flexible work schedules.