Claim Specialist - Property Field Inspection

State Farm • Council Bluffs, IA

1d • Remote

About The Position

State Farm is hiring an experienced Property Field Inspection Claim Specialist to handle accident- and weather-related claims involving homeowners, commercial properties, and large losses. The specialist serves as an initial point of contact for insureds, explains coverage, estimates damage, and guides customers through the claims process while providing customer-focused service. The role uses technology alongside professional judgment to support policyholders.

This remote-field position is located in Council Bluffs, Iowa. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily within an assigned territory. Virtual work may also be completed at home, and travel outside the territory may occasionally be required to assist other areas. Competitive candidates should reside in one of the listed ZIP codes in the posting. Hours of operation may change with business needs; flexible schedules, overtime, and irregular hours may be requested.

Requirements

• Ability to investigate problems, evaluate information, and make well-supported decisions.
• Ability to interpret detailed policies, guidelines, or technical information and apply them accurately in real-world situations.
• Ability to quickly learn unfamiliar concepts, processes, and terminology and apply that knowledge in practical situations.
• Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward efficiently.
• Effective communication and interpersonal skills for difficult or emotional conversations, with a customer-minded focus.
• Strong attention to detail, organizational skills, and analytical skills.
• Proficiency using mobile and desktop tools to document and support claims in the field and remotely.
• Physical ability to walk, bend, reach, kneel, squat, stoop, lift and carry frequently, unfold equipment, climb ladders, traverse roofs at different heights and pitches using appropriate safety equipment, and crawl in tight spaces.
• May be required to complete Rope and Harness Safety Training.
• Valid driver's license; driving is an essential function of the job.
• Successful completion of required training, applicable proficiency requirements and licensing exams, and required MVR and background checks.

Nice To Haves

• Bachelor’s degree in a related field such as Risk Management, Insurance, Business, Construction Management, or a similar discipline.
• Customer service experience, including assisting customers, handling inquiries and concerns professionally, and communicating clearly and empathetically.
• Understanding of property insurance concepts, including coverage fundamentals and general claim handling practices.
• Baseline knowledge of residential and commercial building construction and building components and materials.
• Familiarity with water mitigation principles and inspection processes.
• Working knowledge of Xactimate and XactContents.

Responsibilities

• Conduct on-site inspections and assess property damage for residential and commercial claims.
• Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently.
• Interact professionally with people who may express strong emotions or concerns about inspections or claim resolutions.
• Provide customer service throughout the claims process and promptly address inquiries and concerns.
• Gather evidence, document findings, and prepare detailed reports to support claims handling.
• Investigate and adjust personal and commercial property claims with exposures up to $500,000.
• Evaluate coverage and policy terms to determine claim validity and ensure compliance with local regulations.
• Negotiate and settle claims within authorized limits, taking policy provisions, industry standards, and company guidelines into account.

Benefits

• Annual raise and bonus; potential yearly incentive pay up to 15% of base salary.
• Health and wellbeing programs, with State Farm paying most of the healthcare premium and offering multiple medical plan options.
• Vision, dental, telemedicine, and access to 24/7 mental health professionals.
• Industry-leading training programs, tuition assistance, employee resource groups, and mentoring.
• Fertility, IVF, and adoption assistance; college coaching; national discount programs; financial workshops and coaching.
• Generous time-off policies, initially up to 20 days annually, parental leave, paid holidays, celebration day, life leave, bereavement leave, and community service and education support days.
• Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
• Free financial advisors and a 401(k) plan with company contributions of up to 7% of salary.
• Educational benefits and community service and education support days.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed