Claim Specialist - Property Field Inspection

State Farm•Edmond, OK

3d•Remote

About The Position

State Farm is hiring a Property Field Inspection Claim Specialist to investigate and adjust accident- and weather-related claims involving residential properties, commercial properties, and large losses. The specialist is a first point of contact for insureds, explaining coverage, estimating damage, and guiding customers through the claims process while providing service and support. The role combines in-person field work with technology and virtual work. The position is based in Edmond, Oklahoma, and serves an assigned territory. It is a remote-field role: the employee works from home and uses a mobile office or vehicle for in-person appointments, with the primary work conducted in the field. Occasional travel outside the assigned area may be required. Work schedules are flexible and may include overtime or irregular hours based on business needs. The role handles personal and commercial property claims with exposures up to $500,000.

Requirements

Demonstrated ability to investigate problems, evaluate information, and make well-supported decisions.
Ability to interpret detailed policies, guidelines, or technical information and apply them accurately in practical situations.
Ability to quickly learn unfamiliar concepts, processes, and terminology and apply that knowledge accurately.
Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward.
Effective communication and interpersonal skills for difficult or emotional conversations, with a customer-focused approach.
Strong attention to detail, organization, 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 equipment and safety guidelines; and crawl in tight spaces.
May be required to complete Rope and Harness Safety Training.
Valid driver’s license; driving is an essential job function. A motor vehicle record check is part of the pre-employment background check.
Successful completion of required training, applicable proficiency requirements and licensing exams, and required motor vehicle record 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 construction, building components, and materials.
Familiarity with water mitigation principles and inspection processes.
Working knowledge of Xactimate and XactContents.

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 respond promptly and professionally to inquiries and concerns.
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 multiple healthcare plan options.
Medical plans provide 100% coverage for in-network preventive care.
Vision, dental, telemedicine, and access to 24/7 mental health professionals.
Industry-leading training programs and tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance; college coaching; national discount programs; financial workshops and coaching.
Generous time-off policies, with the opportunity to initially earn up to 20 days annually, plus parental leave, paid holidays, a celebration day, life leave, bereavement leave, and community service/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.