Claim Specialist – Property Field Inspection

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

📋 Description

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

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

• Collaborate with policyholders, insurance representatives, and other stakeholders to collect information and resolve claims.

• Professionally engage with individuals who may express strong emotions or concerns.

• Deliver outstanding customer service while addressing inquiries and concerns.

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

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

• Assess coverage and policy terms to determine the validity of claims, ensuring compliance with local regulations.

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

• Manage the assigned territory in Rochester, Minnesota, with occasional travel to assist other regions.

• Operate from home and utilize a mobile office/vehicle for in-person meetings.

• Conduct virtual work from home when applicable.

⛳️ Requirements

• Proven experience in managing accident and weather-related claims for homeowners, commercial properties, and large losses.

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

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

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

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

• Effective communication skills for handling difficult or emotional conversations.

• Detail-oriented with excellent 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, traverse roofs, and crawl in tight spaces.

• May need to complete Rope and Harness Safety Training.

• A valid driver's license is required.

• Flexibility to work varied schedules, overtime, and irregular hours.

• Must successfully complete necessary training, proficiency and licensing exams, MVR checks, and background checks.

• Bachelor's Degree in a related field such as Risk Management, Insurance, Business, or Construction Management is preferred.

• Customer service experience is preferred.

• A foundational understanding of property insurance concepts is preferred.

• Basic knowledge of residential and commercial building construction is preferred.

• Familiarity with water mitigation principles and inspection processes is preferred.

• Working knowledge of Xactimate and XactContents is preferred.

🏝️ Benefits

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

• Opportunity for an annual raise and bonus.

• Access to health and wellbeing programs.

• Employer-covered portion of healthcare premiums.

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

• 100% coverage for in-network preventative care across all medical plans.

• Vision and dental insurance.

• Telemedicine services available.

• 24/7 access to mental health professionals.

• Industry-leading training programs provided.

• Tuition assistance programs available.

• Employee resource groups for support.

• Mentoring opportunities.

• Assistance with fertility, IVF, and adoption.

• College coaching services.

• National discount programs.

• Monthly interactive financial workshops offered.

• Complimentary financial coaching services.

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

• Initial offering of up to 20 days of annual paid time off.

• Parental leave provided.

• Paid holidays included.

• Celebration day recognized.

• Life leave (40 hours/year) available.

• Bereavement leave offered.

• Community service and educational support days provided.

• Matching Gift Program available.

• Good Neighbor Grant Program for community engagement.

• Employee Assistance Fund for additional support.

• Access to free financial advisors.

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

• Opportunities for remote work and virtual job functions.