Claim Specialist - Property Field Inspection

State Farm•McAllen, TX

6h•Remote

About The Position

State Farm is hiring an experienced Property Field Inspection Claim Specialist to handle accident- and weather-related property 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 providing service and applying sound judgment. This is a remote-field position based in the McAllen/Rio Grande Valley, Texas area. The employee works from home and uses a mobile office or vehicle for in-person appointments, with some virtual work completed at home. Candidates should reside within one of the listed ZIP codes and will service that territory. Travel outside the assigned area may occasionally be required to assist other territories. The position handles personal and commercial property claims with exposures up to $500,000. The standard work week is 38 hours and 45 minutes. Hours of operation may change based on business needs, and employees must be willing to work flexible schedules, overtime, and irregular hours. Employees must complete required training, proficiency requirements, licensing examinations, and applicable background and motor vehicle record checks.

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.
Effective communication and interpersonal skills, including handling difficult or emotional conversations with a customer-focused approach.
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.
A valid driver’s license; driving is an essential function of the job.
Must successfully complete required training, applicable proficiency requirements and licensing examinations, and applicable motor vehicle record and background checks.
Willingness and ability to work flexible schedules and, when asked, overtime or irregular hours.

Nice To Haves

Bachelor’s degree in a related field such as Risk Management, Insurance, Business, or Construction Management.
Customer service experience, including professionally handling inquiries and concerns 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 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 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.
Explain coverage, estimate damages, and help insureds navigate the claims process.
Travel outside the assigned territory when required to assist other territories.

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.
Vision, dental, telemedicine, and access to 24/7 mental health professionals.
Educational benefits, including training programs and tuition assistance.
Fertility, IVF, and adoption assistance.
National discount programs.
Generous paid time off, initially 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.
401(k) plan with company contributions of up to 7% of salary.
Financial coaching, financial workshops, and access to free financial advisors.