Claim Specialist - Property Field Inspection

State Farm • Los Angeles, CA

2d • 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 is a first point of contact for insureds, explains coverage, estimates damages, and supports customers throughout the claims process. The role combines human judgment and customer service with technology used to document and handle claims.

This remote-field position is located in Greater Los Angeles, California. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily within an assigned territory. Occasional travel outside the assigned area may be required. Some work may be completed virtually from home.

Hours of operation may change based on business needs. Candidates must be willing to work flexible schedules and may be asked to work overtime or irregular hours. The position requires completing applicable training and proficiency requirements, licensing exams, and required motor vehicle and background checks.

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 the knowledge in practical situations.
• Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward.
• Effective communication and interpersonal skills, including handling difficult or emotional conversations with a customer-minded focus.
• Detail orientation and strong organizational and analytical skills.
• Proficiency with mobile and desktop tools for documenting and supporting claims in the field and remotely.
• Physical agility for walking, bending, reaching, kneeling, squatting, stooping, frequent lifting and carrying, unfolding, and climbing ladders; traversing roofs at various heights and pitches using appropriate equipment and safety guidelines; and crawling in tight spaces.
• Valid driver’s license; driving is an essential function of the job, and a Motor Vehicle Record will be requested as part of the pre-employment background check.
• Successful completion of required training, applicable proficiency requirements and licensing exams, and required motor vehicle and background checks.

Nice To Haves

• Bachelor’s degree in a related field such as Risk Management, Insurance, Business, or Construction Management.
• Customer service experience 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 or materials.
• Familiarity with water mitigation principles and inspection processes.
• Working knowledge of Xactimate and XactContents.
• Rope and Harness Safety Training may be required.

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.
• Interact professionally with parties who may express strong emotions or concerns about inspections or claim resolutions.
• Provide customer service throughout the claims process and address inquiries and concerns promptly.
• 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

• Potential yearly incentive pay up to 15% of base salary; annual raises 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, industry training programs, tuition assistance, employee resource groups, and mentoring.
• Fertility, IVF, and adoption assistance; college coaching; national discount programs; financial workshops and coaching.
• Time-off policies, initially up to 20 days annually, 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 up to 7% of salary.

What This Job Offers

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