Claim Specialist - Property Field Inspection

State Farm•Spokane, WA

3h•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 involving homeowners, commercial properties, and large losses. The specialist is often the first point of contact for insureds, explaining coverage, estimating damage, and guiding customers through the claims process. The role combines in-person expertise with technology to provide responsive service and protect policyholders. The position is based in the Spokane, Washington territory and is a remote-field role: employees work from home and use a mobile office or vehicle for in-person appointments. The primary work is in the field within a commutable distance of home, with opportunities to complete work virtually at home. Occasional travel outside the assigned territory may be required to assist other areas. Work schedules are flexible and may include overtime or irregular hours based on business needs.

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 handling difficult or emotional conversations with a customer-minded approach.
Strong attention to detail, organizational skills, and analytical skills.
Proficiency with 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 items, climb ladders, traverse roofs at varying heights and pitches using appropriate equipment and safety guidelines, and crawl in tight spaces.
Valid driver’s license; driving is an essential function of the job.
Successful completion of required training, applicable proficiency requirements and licensing exams, and applicable 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 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.
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 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 help insureds navigate the claims process.
Travel outside the assigned territory occasionally to assist other areas.

Benefits

Annual raise and bonus.
Health care plans, with State Farm paying most of the healthcare premium.
In-network preventive care covered at 100% under medical plans.
Vision insurance.
Dental insurance.
Telemedicine and access to 24/7 mental health professionals.
Health and wellbeing programs.
Industry-leading training programs.
Tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
National discount programs.
Financial workshops and free financial coaching.
Generous time-off policies, initially up to 20 days annually.
Parental leave and paid holidays.
Celebration day, life leave, bereavement leave, and community service or 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.
Potential yearly incentive pay up to 15% of base salary.