Claim Specialist – Property Field Inspection

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

📋 Description

• Manage claims related to accidents and weather impacts for homeowners, commercial properties, and significant losses

• Act as the initial contact point for insured clients

• Clarify coverage details and assess damage estimates

• Assist policyholders throughout the claims process while delivering exceptional service

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

• Collaborate with policyholders, insurance agents, and other relevant parties

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

• Provide customer support and promptly address inquiries and issues in a professional manner

• Collect evidence, document findings, and create comprehensive reports

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

• Assess coverage and policy conditions for claim legitimacy and regulatory adherence

• 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 meetings

• Conduct virtual work from home as necessary

• Travel beyond the assigned area to support other territories when needed

• Maintain flexible work schedules, including potential overtime or irregular hours

⛳️ Requirements

• Highly skilled and experienced professional

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

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

• Quick learner of new concepts, processes, and terminology

• Effective interaction skills with policyholders, agents, and stakeholders

• Strong communication and interpersonal abilities for challenging or emotional discussions

• Detail-oriented with exceptional organizational and analytical capabilities

• Proficient in using mobile and desktop tools to document and support claims both in the field and remotely

• Physically agile for various activities such as walking, bending, reaching, kneeling, squatting, lifting, carrying, unfolding, and climbing ladders

• Capable of using the appropriate equipment to navigate roofs at varying heights and pitches

• Ability to crawl into confined spaces

• May need to complete Rope and Harness Safety Training

• A valid driver's license is required

• Employees must successfully finish required training, proficiency and licensing examinations, MVR checks, and background screenings

• Preferred: Bachelor's Degree in a related field such as Risk Management, Insurance, Business, Construction Management, or a similar discipline

• Preferred: Experience in customer service

• Preferred: Familiarity with property insurance principles, coverage basics, and general claims handling practices

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

• Preferred: Understanding of water mitigation principles and inspection methodologies

• Preferred: Working experience with Xactimate and XactContents

🏝️ Benefits

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

• Annual salary increases and bonuses

• Health and wellness programs

• State Farm covers most of the healthcare premium

• Various healthcare plan options, including a high deductible plan

• Full coverage for in-network preventive care across all medical plans

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

• Leading industry 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

• Complimentary financial coaching

• Savings and financing options through State Farm Federal Credit Union

• Generous time-off policies

• Up to 20 days off per year initially

• Parental leave

• Paid holidays

• A designated celebration day

• Life leave (40 hours annually)

• 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 salary

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