Claim Specialist - Property Field Inspection

State Farm•Creve Coeur, MO

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 role combines human judgment and technology to support policyholders and provide service throughout the claims process. As a first point of contact, the specialist meets with insureds, explains coverage, estimates damage, and guides them through the process. This is a remote-field position based in St. Louis, Missouri. The specialist works from home and uses a mobile office or vehicle for in-person appointments, primarily within an assigned territory, with occasional travel outside that area to assist other territories. Some work may be completed virtually from home. Work schedules are flexible and may include overtime or irregular hours based on business needs.

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 quickly learn unfamiliar concepts, processes, and terminology 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 the ability to handle 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 agility 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, and to crawl in tight spaces to gather claim information.
A valid driver's license; driving is an essential function of the job.
Successful completion of required training, applicable proficiency and licensing exams, motor vehicle record checks, 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 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, components, and materials.
Familiarity with water mitigation principles and inspection processes.
Working knowledge of Xactimate and XactContents.

Responsibilities

Conduct on-site inspections and assessments of residential and commercial property damage.
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 promptly and professionally to 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, considering policy provisions, industry standards, and company guidelines.
Meet with insureds, explain coverage, estimate damages, and help them navigate the claims process.
Travel outside the assigned territory on occasion to assist other territories.

Benefits

Annual raise and bonus eligibility.
Health and wellbeing programs, with State Farm paying most of the healthcare premium and offering multiple healthcare plan options.
Medical plans include 100% coverage for in-network preventive care.
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 financial coaching.
Generous time-off policies, with the opportunity to initially earn 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.