Claim Specialist - Property Field Inspection

State Farm•Magnolia, AR

6d•Remote

About The Position

State Farm is hiring a Property Field Inspection Claim Specialist to handle accident- and weather-related claims involving homeowners, commercial properties, and large losses. The specialist is often the first point of contact for insureds, explaining coverage, estimating damages, and guiding customers through the claims process while providing service supported by technology and professional judgment. This is a remote-field position based in Camden or Magnolia, Arkansas. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily within an assigned territory. Occasional travel outside that territory may be required to assist other areas. Work hours may change based on business needs, and the role requires flexibility to work overtime or irregular hours when requested. Claims may have exposures up to $500,000. Employees must complete required training and applicable proficiency and licensing exams, as well as required motor vehicle record and background checks. Rope and harness safety training may also be required.

Requirements

Ability to investigate problems, evaluate information, and make well-supported decisions.
Ability to interpret detailed policies, guidelines, or technical information and accurately apply them to real-world situations.
Ability to quickly learn unfamiliar concepts, processes, and terminology and apply that knowledge accurately.
Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward efficiently.
Effective communication and interpersonal skills, including the ability to handle difficult or emotional conversations with a customer-minded focus.
Strong attention to detail, organizational skills, and analytical skills.
Proficiency with mobile and desktop tools for documenting and supporting claims in the field and remotely.
Physical ability to walk, bend, reach, kneel, squat, stoop, lift and carry frequently, unfold equipment, and climb ladders.
Ability to use appropriate equipment and follow safety guidelines to traverse roofs at varying heights and pitches for residential and commercial inspections.
Ability to crawl in tight spaces to gather information for claim adjustment.
Valid driver’s license; driving is an essential function of the job, and a motor vehicle record will be requested as part of pre-employment screening.
Successful completion of required training, applicable proficiency and licensing exams, and required state background and motor vehicle record checks.

Nice To Haves

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

Responsibilities

Conduct on-site inspections and assess damage for residential and commercial property claims.
Work with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently.
Provide customer service throughout the claims process and respond to inquiries and concerns promptly and professionally, including conversations involving strong emotions or concerns.
Gather evidence, document findings, and prepare detailed reports to support claim 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, considering policy provisions, industry standards, and company guidelines.
Travel within the assigned service territory and, occasionally, outside it to assist other territories.
Complete required training, proficiency requirements, licensing exams, and applicable background and motor vehicle record checks.

Benefits

Potential yearly incentive pay up to 15% of base salary.
Annual raise and bonus eligibility.
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.
Educational benefits, including training programs and tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
National discount programs and financial coaching and workshops.
Time-off policies, with the opportunity to initially earn up to 20 days annually, plus parental leave, paid holidays, a celebration day, life leave, bereavement leave, and community service or 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.