Claim Specialist – Property Field Inspection

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

📋 Description

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

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

• Clarify coverage details and assess damage estimates.

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

• Work collaboratively with policyholders, insurance agents, and other stakeholders involved.

• Collect evidence and information to effectively investigate and resolve claims.

• Document findings and compile comprehensive reports.

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

• Assess coverage and policy terms to validate claims and ensure compliance with regulations.

• Negotiate and settle claims within established authorization limits.

• Occasionally travel outside the designated area to support other regions.

• Operate from home and utilize a mobile office/vehicle for field appointments.

• Perform virtual work from home as required.

⛳️ Requirements

• Highly skilled and experienced professional.

• Capable of investigating issues, evaluating information, and making well-supported decisions.

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

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

• Effective in interacting with policyholders, agents, and other stakeholders.

• Strong communication and interpersonal skills for handling challenging or emotional conversations.

• Detail-oriented with excellent organizational and analytical abilities.

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

• Physically capable of walking, bending, reaching, kneeling, squatting, lifting, carrying, unfolding, climbing ladders, traversing roofs, and crawling in tight spaces.

• May need to complete Rope and Harness Safety Training.

• A valid driver’s license is required.

• Completion of necessary training, proficiency and licensing exams, MVR checks, and background checks is essential.

• A Bachelor’s Degree in a relevant field such as Risk Management, Insurance, Business, Construction Management, or a similar discipline is preferred.

• Experience in customer service is preferred.

• Familiarity with property insurance concepts and claims handling practices is preferred.

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

• Knowledge of water mitigation principles and inspection processes is preferred.

• Working knowledge of Xactimate and XactContents is preferred.

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

🏝️ Benefits

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

• Annual salary increase and bonus opportunities.

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

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

• 100% coverage for in-network preventive care.

• Vision, dental, telemedicine, and around-the-clock access to mental health professionals.

• Industry-leading training programs offered.

• Tuition assistance programs available.

• Opportunities for involvement in employee resource groups and mentoring.

• Support for fertility, IVF, and adoption assistance.

• College coaching services provided.

• Access to national discount programs.

• Interactive financial workshops held monthly.

• Complimentary financial coaching available.

• State Farm Federal Credit Union offers savings and financing options.

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

• Parental leave offered.

• Paid holidays included.

• Celebration day provided.

• 40 hours of life leave per year.

• Bereavement leave granted.

• Days dedicated to community service and education support.

• Matching Gift Program available.

• Good Neighbor Grant Program offered.

• Employee Assistance Fund accessible.

• Free access to financial advisors.

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

• Option to work from home with a mobile office/vehicle for in-person appointments.

• Flexible scheduling available.