Claim Specialist - Property Field Inspection

State Farm • Honolulu, HI

12d • 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 often the first point of contact for insureds, explaining coverage, estimating damage, and guiding customers through the claims process. The role combines human judgment and service with technology to support policyholders.

The position is based in Oahu, Hawaii, and serves a specified local territory. It is a remote-field role: the employee works from home and uses a mobile office or vehicle for in-person appointments, with opportunities to complete work virtually at home. Occasional travel outside the assigned territory may be required. Work schedules are flexible according to business needs and may include overtime or irregular hours.

The specialist investigates and adjusts personal and commercial property claims with exposures up to $500,000, evaluates coverage, documents findings, and negotiates settlements within authorized limits. The job requires field inspections of buildings and may involve climbing roofs, entering tight spaces, and other physically demanding activities. Employees must complete required training and applicable proficiency and licensing examinations, along with motor vehicle record and background 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 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-focused approach.
• 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, frequently lift and carry items, unfold equipment, and climb ladders.
• Ability to use appropriate equipment and follow safety guidelines to traverse roofs of varying heights and pitches, and to crawl in tight spaces during inspections.
• Valid driver's license.
• Successful completion of required training, applicable proficiency and licensing examinations, motor vehicle record checks, and background checks.
• Willingness and ability to work flexible schedules and, as needed, 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 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 and 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 property damage for residential and commercial claims.
• Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims.
• 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, taking policy provisions, industry standards, and company guidelines into account.
• Explain coverage, estimate damages, and help insureds navigate the claims process.
• Travel outside the assigned territory when needed 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, industry training programs, tuition assistance, employee resource groups, and mentoring.
• Fertility, IVF, and adoption assistance.
• National discount programs, college coaching, financial workshops, and free financial coaching.
• Time off, initially up to 20 days annually, plus 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.

What This Job Offers

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