Claim Specialist - Property Field Inspection

State Farm•Atwater Township, OH

1d•Remote

About The Position

State Farm is hiring an experienced Property Field Inspection Claim Specialist to investigate and adjust accident- and weather-related property claims, including residential, commercial, and large-loss claims. The specialist is often the first point of contact for insureds, explaining coverage, estimating damages, and guiding customers through the claims process while providing customer-focused service. Claims may have exposures up to $500,000. This is a remote-field position based in the Youngstown/Alliance, Ohio territory. The employee works from home and uses a mobile office or vehicle for in-person appointments, with opportunities to complete work virtually at home. The role may require travel outside the assigned territory to assist elsewhere. Hours of operation may change with business needs; employees must be willing to work flexible schedules and may be asked to work overtime or irregular hours. Employees must successfully complete required training, applicable proficiency and licensing exams, and required motor vehicle record and background checks. Rope and harness safety training may also be 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 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 with mobile and desktop tools for documenting and supporting 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 of the job.
Successful completion of required training, applicable proficiency 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 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 XactContents.
Rope and harness safety training, if required.

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.
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.
Meet with insureds, explain coverage, estimate damages, and help customers navigate the claims process.

Benefits

Potential yearly incentive pay up to 15% of base salary.
Annual raises and bonus eligibility.
Health and wellbeing programs, with State Farm paying most of the healthcare premium and multiple healthcare plan options.
Vision insurance.
Dental insurance.
Telemedicine and access to 24/7 mental health professionals.
Educational benefits, including training and tuition assistance programs.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
National discount programs and financial coaching and workshops.
Generous time-off policies, with the opportunity to initially earn up to 20 days annually.
Parental leave and paid holidays.
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 for retirement planning.