Claim Specialist - Property Field Inspection

State Farm • Buena Park, CA

1d • 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 serves as an initial point of contact for insureds, explains coverage, estimates damage, and guides customers through the claims process while providing service informed by judgment, empathy, and expertise.

This is a remote-field position based in the Corona/Orange County/Riverside, California territory. The employee works from home and uses a mobile office or vehicle for in-person appointments, with some virtual work completed from home. Candidates should reside in one of the listed ZIP codes and service the same territory. Travel outside the assigned area may occasionally be required to assist other territories.

The role investigates and adjusts personal and commercial property claims with exposures up to $500,000. Work schedules may change based on business needs; employees must be able and willing to work flexible schedules and may be asked to work overtime or irregular hours. Successful completion of required training, applicable proficiency and licensing exams, MVR checks, and background checks is 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 quickly learn unfamiliar concepts, processes, and terminology 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 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; traverse roofs of varying heights and pitches using appropriate safety equipment; and crawl in tight spaces.
• A valid driver’s license; driving is an essential function of the job. An MVR will be requested as part of the pre-employment background check.
• Must successfully complete required training, applicable proficiency and licensing exams, and applicable MVR and background checks.
• Must be able and willing to work flexible schedules and potentially overtime or irregular hours.
• Competitive candidates should reside within one of the listed ZIP codes in the Corona/Orange County/Riverside, California territory.

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 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 professionally with people 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 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.

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 healthcare plan options.
• Vision insurance.
• Dental insurance.
• 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.
• National discount programs.
• Generous time-off policies, including the opportunity to initially earn 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.
• 401(k) plan with company contributions of up to 7% of salary.
• Free financial advisors, financial coaching, and financial workshops.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed