Claim Specialist – Property Field Inspection

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

📋 Description

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

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

• Clarify coverage details and assess damages.

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

• Collaborate with policyholders, insurance agents, and other stakeholders involved.

• Collect information and resolve claims in an efficient manner.

• Engage with individuals who may express strong emotions or concerns.

• Deliver outstanding customer service while addressing inquiries and concerns.

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

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

• Assess coverage and policy terms to ensure claim validity and adherence to regulations.

• Negotiate and settle claims within authorized limits.

• Work remotely and utilize a mobile office or vehicle for in-person meetings.

• Conduct virtual work from home and occasionally travel outside the designated area to support other territories.

⛳️ Requirements

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

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

• Quick learner of unfamiliar concepts, processes, and terminology.

• Proficient in effectively interacting with policyholders, agents, and other relevant parties.

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

• Detail-oriented with excellent organizational and analytical skills.

• Proficient in using mobile and desktop tools for documenting and supporting claims both in the field and remotely.

• Physically agile for activities such as walking, bending, reaching, kneeling, squatting, lifting, carrying, unfolding, climbing ladders, traversing roofs, and crawling in confined spaces.

• May need to complete Rope and Harness Safety Training.

• A valid driver’s license is required.

• Motor Vehicle Record (MVR) check is necessary as part of the pre-employment background verification.

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

• 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 claims handling practices.

• Preferred: Knowledge of residential and commercial building construction and materials.

• Preferred: Understanding of water mitigation principles and inspection processes.

• Preferred: Proficiency in Xactimate and XACT Contents.

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

• 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.

• Opportunity for annual raises and bonuses.

• State Farm covers a majority of the healthcare premium.

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

• 100% coverage for in-network preventative care.

• Coverage for vision, dental, telemedicine, and access to 24/7 mental health professionals.

• Industry-leading training programs.

• Tuition assistance programs available.

• Participation in employee resource groups and mentoring opportunities.

• Support for fertility, IVF, and adoption assistance.

• College coaching services offered.

• Access to national discount programs.

• Interactive monthly financial workshops available.

• Free financial coaching services provided.

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

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

• Parental leave policy in place.

• Paid holidays recognized.

• Celebration day offered.

• Life leave (40 hours per year) available.

• Bereavement leave policy established.

• Community service and education support days offered.

• Matching Gift Program available.

• Good Neighbor Grant Program in place.

• Employee Assistance Fund accessible.

• Free access to financial advisors.

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