Claim Specialist - Property Field Inspection

State Farm • Lake Charles, LA

3d • 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 a first point of contact for insureds, explaining coverage, estimating damage, and supporting customers through the claims process. The role combines in-person field work with technology and virtual work to provide customer-focused claim service.

This remote-field position is based in the Lake Charles, Louisiana territory. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily within a commutable field territory, with occasional travel outside the assigned area to assist other territories. The role involves investigating and adjusting personal and commercial property claims with exposures up to $500,000, evaluating coverage, and negotiating settlements within authorized limits. Work schedules are flexible based on business needs and may include overtime or irregular hours.

Employees must complete required training, applicable proficiency and licensing exams, and 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 apply them accurately.
• Ability to learn unfamiliar concepts, processes, and terminology quickly and apply them 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.
• Strong attention to detail, organization, and analytical skills.
• Proficiency using mobile and desktop tools to document and support claims in the field and remotely.
• Physical agility to walk, bend, reach, kneel, squat, stoop, lift, carry, unfold, and 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. A motor vehicle record check is part of the pre-employment background check.
• Successful completion of required training, applicable proficiency and licensing exams, and applicable motor vehicle record 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, including assisting customers, handling inquiries or 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, components, and 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 promptly address inquiries and 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 territory and, occasionally, outside it to assist other territories.
• Complete required training, proficiency requirements, licensing exams, and applicable screening checks.

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.
• 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.
• Retirement planning resources, 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