Claim Specialist - Property Field Inspection

State Farm•Union, MO

3d•Remote

About The Position

State Farm is hiring an experienced Property Field Inspection Claim Specialist to handle accident- and weather-related property claims involving homeowners, commercial properties, and large losses. The specialist is often the first point of contact for insureds, meeting with them, explaining coverage, estimating damages, and guiding them through the claims process while providing customer-focused service. The role uses technology alongside professional judgment and expertise. This is a remote-field position based in the Union, Missouri territory. The employee works from home and uses a mobile office or vehicle for in-person appointments, with some work completed virtually from home. The position may require travel outside the assigned territory to assist elsewhere. Candidates should live within one of the listed ZIP codes and service that territory. Hours may change according to business needs; employees must be willing to work flexible schedules and may be asked to work overtime or irregular hours. The position handles personal and commercial property claims with exposures up to $500,000. It requires field inspections of residential and commercial structures, including physical activity such as climbing ladders, traversing roofs using appropriate equipment, and entering tight spaces. Required training, applicable proficiency and licensing exams, MVR checks, and background checks must be completed successfully.

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-focused approach.
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, climb ladders, traverse roofs at various heights and pitches using appropriate safety equipment, and crawl in tight spaces.
Valid driver's license; driving is an essential function of the job, and an MVR will be requested as part of the pre-employment background check.
Successful completion of required training, applicable proficiency and licensing exams, MVR checks, and background checks.
Willingness and ability to work flexible schedules and, if asked, 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 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 and building components or materials.
Familiarity with water mitigation principles and inspection processes.
Working knowledge of Xactimate and XACT Contents.
May be required to complete Rope and Harness Safety Training.

Responsibilities

Conduct on-site inspections and assess damage for residential and commercial property claims.
Work with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently.
Provide customer service throughout the claims process and respond to inquiries and concerns promptly and professionally.
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.
Explain coverage, estimate damages, and guide insureds through the claims process.
Travel outside the assigned territory when needed to assist other territories.

Benefits

Potential annual 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, with multiple medical plan options and 100% coverage for in-network preventive care under all medical plans.
Vision insurance.
Dental insurance.
Telemedicine and access to 24/7 mental health professionals.
Educational benefits, including training programs and tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
College coaching and 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.
Paid holidays.
Celebration day.
Life leave of 40 hours per year.
Bereavement leave.
Community service and education support days.
Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
Free financial advisors for retirement planning.
401(k) plan with company contributions of up to 7% of salary.