Claim Specialist – Property Field Inspection

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

📋 Description

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

• Act as the initial contact for insured individuals, clarifying coverage details, estimating damages, and guiding them through the claims process.

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

• Maintain a professional demeanor when interacting with individuals expressing strong emotions or concerns.

• Provide exceptional customer service throughout the entire claims process.

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

• Investigate and adjust personal and commercial property claims with exposure limits of up to $500,000.

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

• Negotiate and resolve claims within designated authority limits.

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

• Occasionally travel outside the designated territory to assist other areas as needed.

⛳️ Requirements

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

• Capacity to interpret complex policies, guidelines, or technical information and apply them accurately.

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

• Effective interaction skills with policyholders, agents, and stakeholders.

• Strong communication and interpersonal abilities for handling challenging or emotional discussions.

• Detail-oriented with excellent organizational and analytical capabilities.

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

• Physical capability to walk, bend, reach, kneel, squat, lift, carry, unfold, climb ladders, navigate roofs, and crawl in confined spaces.

• May need to complete Rope and Harness Safety Training.

• Valid driver's license is required.

• Successful completion of all required training, proficiency and licensing exams, 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 claims handling practices.

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

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

• Preferred: Working knowledge of Xactimate and XactContents.

🏝️ Benefits

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

• Annual increases and bonuses.

• State Farm covers the majority of healthcare premiums.

• Multiple healthcare plan choices, including a high deductible option.

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

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

• Industry-leading training programs.

• Tuition assistance programs available.

• Employee resource groups and mentoring opportunities.

• Support for fertility, IVF, and adoption.

• College coaching services.

• Access to national discount programs.

• Engaging monthly financial workshops.

• Complimentary financial coaching services.

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

• Generous time off policies, initially offering up to 20 days annually.

• Parental leave benefits.

• Paid holidays and a celebration day.

• Life leave of 40 hours per year.

• Bereavement leave available.

• Days off for community service or educational support.

• Matching Gift Program to support charitable contributions.

• Good Neighbor Grant Program.

• Employee Assistance Fund for additional support.

• Access to free financial advisors.

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

• Option for remote work with a mobile office/vehicle for field appointments.

• Flexible scheduling with potential for overtime or irregular hours.