Claim Specialist – Property Field Inspection

This is a fully remote position, open to applicants in Kentucky, +1 more state.

📋 Description

• Perform on-site evaluations and assessments of property damages for both residential and commercial claims.

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

• Clarify coverage details and estimate the extent of damages.

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

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

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

• Provide outstanding customer service and promptly address inquiries and concerns in a professional manner.

• Collect evidence, document findings, 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 determine the validity of claims and ensure compliance with local regulations.

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

• Operate from home while utilizing a mobile office/vehicle for in-person meetings.

• Travel beyond the assigned area to provide assistance in other territories as needed.

⛳️ Requirements

• Capability to investigate issues, assess information, and make well-supported decisions.

• Proficiency in interpreting detailed policies, guidelines, or technical information and applying them accurately.

• Ability to swiftly grasp unfamiliar concepts, processes, and terminology.

• Skill in effectively interacting with policyholders, agents, and other stakeholders.

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

• Detail-oriented with robust organizational and analytical skills.

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

• Physical agility necessary for walking, bending, reaching, kneeling, squatting, stooping, lifting, carrying, unfolding, climbing ladders, traversing roofs, and crawling in confined spaces.

• May be required to complete Rope and Harness Safety Training.

• A valid driver's license is required.

• Employees must successfully complete all required training, applicable proficiency and licensing examinations, MVR checks, 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: Understanding of property insurance concepts and general claims handling practices.

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

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

• Preferred: Working knowledge of Xactimate and XactContents.

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

• Competitive candidates should reside within one of the specified ZIP codes and service the same territory.

🏝️ Benefits

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

• Annual raises and bonuses.

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

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

• 100% coverage for in-network preventative care.

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

• Industry-leading training programs.

• Tuition assistance programs.

• Employee resource groups.

• Mentoring opportunities.

• Assistance with fertility, IVF, and adoption.

• College coaching services.

• National discount programs.

• Interactive monthly financial workshops.

• Free financial coaching services.

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

• Up to 20 days of paid time off annually at the start.

• Parental leave.

• Paid holidays.

• Celebration day.

• Life leave (40 hours per 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 your salary.

• Work-life balance supported through a standard 38:45-hour work week.

• Opportunities for remote work and virtual engagement.