Claim Specialist - Property Field Inspection

State Farm • Chillicothe, MO

7d • 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 a first point of contact for insureds, explaining coverage, estimating damage, and guiding customers through the claims process while delivering service with empathy and expertise. State Farm uses technology to support claim employees and enhance the customer experience.

The role involves investigating and adjusting personal and commercial property claims with exposures up to $500,000. The specialist conducts field inspections, documents findings, evaluates coverage, and negotiates settlements within authorized limits and applicable guidelines. The role is based in the Chillicothe, Missouri territory and is remote-field: work is primarily performed in the field using a home-based mobile office or vehicle, with some virtual work from home. Travel outside the assigned territory may occasionally be required.

Hours of operation may change based on business needs. Employees must be willing to work flexible schedules and may be asked to work overtime or irregular hours. Required training, applicable proficiency and licensing exams, motor vehicle record checks, and background checks must be completed.

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 them in practical situations.
• Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward.
• Effective communication and interpersonal skills, including the ability to handle 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, climb ladders, traverse roofs at varying heights and pitches using appropriate safety equipment, and crawl in tight spaces.
• Valid driver’s license; driving is an essential function. A motor vehicle record will be requested as part of the pre-employment background check.
• Successful completion of required training, applicable proficiency and licensing exams, motor vehicle record checks, 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, coverage fundamentals, and general claim handling practices.
• Baseline knowledge of residential and commercial building construction, components, and 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 assess damage for residential and commercial property claims.
• Collaborate with policyholders, insurance agents, and other parties to gather information and resolve claims efficiently.
• 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.
• Explain coverage, estimate damages, and guide insureds through the claims process.

Benefits

• Annual raises and bonus eligibility.
• Health and wellbeing programs, with State Farm paying most of healthcare premiums and offering multiple medical plan options.
• Vision, dental, telemedicine, and access to 24/7 mental health professionals.
• Educational benefits, industry-leading training programs, tuition assistance, employee resource groups, and mentoring.
• Fertility, IVF, and adoption assistance; college coaching; national discount programs; financial workshops and coaching.
• Time-off policies, initially up to 20 days annually, parental leave, paid holidays, a celebration day, life leave, bereavement leave, and community service and 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.
• Potential yearly incentive pay up to 15% of base salary.

What This Job Offers

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