Claim Specialist - Property Field Inspection

State Farm•Statesville, NC

3d•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 often the first point of contact for insureds, explaining coverage, estimating damage, and guiding customers through the claims process while providing service with empathy and expertise. State Farm combines technology with employee judgment to support policyholders. This is a remote-field position based in the Statesville, North Carolina area. 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. The position investigates and adjusts personal and commercial property claims with exposures up to $500,000. Work schedules are flexible and may include overtime or irregular hours as business needs change. Employees must successfully 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 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, organizational skills, and analytical skills.
Proficiency using 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, and climb ladders.
Ability to use appropriate safety equipment to traverse roofs at varied heights and pitches and to crawl in tight spaces during inspections.
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.
Willingness and ability to work flexible schedules and potentially overtime or irregular hours.

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.
Completion of Rope and Harness Safety Training, if 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 people 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 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.
Travel within the assigned territory and, when needed, outside it to assist other territories.
Complete required training, proficiency and 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; State Farm pays most of the healthcare premium and offers 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.
Paid time off, initially up to 20 days annually, plus parental leave, paid holidays, celebration day, life leave, bereavement leave, and community service or education support days.
Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
401(k) plan with company contributions of up to 7% of salary.
Free financial advisors for retirement planning.
State Farm Federal Credit Union savings and financing options.