Claim Specialist – Property Field Inspection

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

📋 Description

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

• Serve as the primary 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 relevant parties to collect information and resolve claims effectively.

• Engage with individuals expressing strong emotions or concerns regarding inspections or claim outcomes.

• Deliver outstanding customer service while addressing inquiries and concerns.

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

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

• Assess coverage and policy terms to validate claims and ensure compliance with 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 in-person visits.

• Complete remote work from home and occasionally travel outside the designated territory.

• Maintain flexible schedules, including overtime and irregular hours as needed.

⛳️ Requirements

• Capacity to investigate issues, assess information, and make well-informed decisions.

• Ability to interpret detailed policies, guidelines, or technical information and apply them accurately.

• Quick learning capability for unfamiliar concepts, processes, and terminology.

• Proficient in effective interaction with policyholders, agents, and other stakeholders.

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

• Detail-oriented with exceptional organizational and analytical abilities.

• Proficiency 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, traverse roofs, and maneuver in tight spaces.

• May require completion of Rope and Harness Safety Training.

• Valid driver’s license is mandatory.

• Motor Vehicle Record check is necessary.

• Successful completion of required training, relevant proficiency and licensing exams, MVR checks, and background checks.

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

• Preferred: Experience in customer service.

• Preferred: Familiarity with property insurance concepts and general claims handling practices.

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

• Preferred: Understanding of 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 raises and bonuses.

• State Farm covers a significant portion of healthcare premiums.

• Variety of healthcare plan options, including a high deductible plan.

• Full coverage for in-network preventative care.

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

• Industry-leading training programs available.

• Tuition assistance programs offered.

• Access to employee resource groups.

• Mentorship opportunities available.

• Assistance for fertility, IVF, and adoption.

• College coaching provided.

• National discount programs available.

• Interactive monthly financial workshops offered.

• Complimentary financial coaching provided.

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

• Generous time-off policies in place.

• Initial accrual of up to 20 days of paid time off annually.

• Parental leave available.

• Paid holidays observed.

• Celebration day included.

• Life leave (40 hours per year) available.

• Bereavement leave provided.

• Community service and education support days available.

• Matching Gift Program offered.

• Good Neighbor Grant Program available.

• Employee Assistance Fund accessible.

• Free financial advisors available.

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

• Remote work completed from home.

• Mobile office/vehicle provided for fieldwork.