Claim Specialist - Property Field Inspection

State Farm•Bloomington, IL

2d•Remote

About The Position

State Farm is hiring an experienced Property Field Inspection Claim Specialist to handle accident- and weather-related property claims for homeowners, commercial properties, and large losses. The role combines field inspections and customer interactions with digital tools to support policyholders throughout the claims process. The specialist is often the first point of contact, explaining coverage, estimating damages, and helping customers navigate claim resolution while providing service with empathy and expertise. This is a remote-field position located in Bloomington, Illinois. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily within an assigned territory, with some virtual work from home. Occasional travel outside the assigned area may be required to assist other territories. Candidates should reside in one of the listed ZIP codes and service that territory. The role investigates and adjusts personal and commercial property claims with exposures up to $500,000. Hours of operation may change according to business needs. Candidates must be willing to work flexible schedules and may be asked to work overtime or irregular hours. Employees must complete required training and applicable proficiency and licensing exams, as well as required motor vehicle record 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 that knowledge in practical situations.
Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward efficiently.
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 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 various heights and pitches using appropriate safety equipment, and crawl in tight spaces.
Valid driver's license.
Successful completion of required training, applicable proficiency and licensing exams, and required motor vehicle record and background checks.
Willingness and ability to work flexible schedules, including possible overtime or irregular hours.

Nice To Haves

Bachelor’s degree in a related field such as Risk Management, Insurance, Business, or Construction Management, or a similar discipline.
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.
May be required to complete Rope and Harness Safety Training.

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.
Interact 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 and 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 and offering multiple medical plan options.
Medical plans provide 100% coverage for in-network preventive care.
Vision insurance.
Dental insurance.
Telemedicine and access to 24/7 mental health professionals.
Educational benefits, industry training programs, and tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
College coaching, national discount programs, financial workshops, and free financial coaching.
Generous time-off policies, with the opportunity to initially earn up to 20 days annually.
Parental leave and paid holidays.
Celebration day, life leave (40 hours per year), 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.