Claim Specialist - Property Field Inspection

State Farm • Gaylord, MI

10d • Remote

About The Position

State Farm is seeking a Property Field Inspection Claim Specialist to handle accident- and weather-related claims involving homeowners, commercial properties, and large losses. The role combines technology with human judgment and customer service. As a first point of contact, the specialist meets with insureds, explains coverage, estimates damage, and guides them through the claims process.

This is a remote-field position based in the Gaylord, Michigan territory. The specialist works from home and uses a mobile office or vehicle for in-person appointments, with some work completed virtually from home. The role may require travel outside the assigned territory to help other areas. Candidates should live in one of the listed service-area ZIP codes. Schedules may change with business needs, and employees must be willing to work flexible schedules, overtime, or irregular hours.

The position handles personal and commercial property claims with exposures up to $500,000. It requires field inspections, evidence gathering, damage documentation, coverage evaluation, claim negotiation and settlement, and regular interaction with policyholders and other stakeholders. Physical work includes inspecting structures and may involve roof access and entering tight spaces. Required training, licensing exams, and pre-employment checks must be completed successfully.

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.
• Ability to learn unfamiliar concepts, processes, and terminology quickly and apply that knowledge.
• Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward.
• Effective communication and interpersonal skills, including the ability to handle difficult or emotional conversations with a customer-minded approach.
• Strong attention to detail, organizational skills, and analytical skills.
• Proficiency with 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 varying heights and pitches using appropriate safety equipment, and crawl in tight spaces.
• Valid driver's license; driving is an essential function of the job, and a Motor Vehicle Record check is part of the pre-employment background check.
• Successful completion of required training, applicable proficiency and licensing exams, and required 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 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 construction, including 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 damage for residential and commercial property claims.
• Collaborate 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 professionally.
• 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.

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.
• Medical plan options, including a high-deductible plan, with in-network preventive care covered at 100%.
• Vision, dental, telemedicine, and access to mental health professionals 24/7.
• 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.
• Paid time off, initially up to 20 days annually, parental leave, paid holidays, a 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.

What This Job Offers

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