Claim Specialist - Property Field Inspection

State Farm•Memphis, TN

2h•Remote

About The Position

State Farm is hiring a 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, meeting with them to explain coverage, estimate damage, and guide them through the claims process while providing customer-focused service. The role combines human judgment and expertise with technology that supports claim handling and customer experience. The position is based in the Memphis, Tennessee territory and is remote-field: the employee works from home and uses a mobile office or vehicle for in-person appointments. The primary work takes place in the field within a commutable distance of home, with some virtual work from home. Travel outside the assigned territory may occasionally be required. Claims may have exposures up to $500,000. Hours of operation may change based on business needs. Candidates must be willing and able to work flexible schedules and may be asked to work overtime or irregular hours. The standard work week used for compensation is 38 hours and 45 minutes. Employees must complete required training and any applicable proficiency requirements, licensing exams, motor vehicle record checks, 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 learn unfamiliar concepts, processes, and terminology quickly 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 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, and climb ladders.
Ability to use appropriate equipment and follow safety guidelines while traversing roofs at various heights and pitches to inspect residential and commercial structures.
Ability to crawl in tight spaces to gather information needed for claim adjustment.
Valid driver's license.
Successful completion of required training, applicable proficiency requirements 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 involving customer assistance, professional handling of inquiries and concerns, and clear, empathetic communication.
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.
Ability or willingness to complete Rope and Harness Safety Training if required.

Responsibilities

Conduct on-site inspections and assess damage for residential and commercial property claims.
Work 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 questions 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.
Handle interactions with parties who may express strong emotions or concerns about inspections or claim resolutions.

Benefits

Potential yearly incentive pay up to 15% of base salary.
Annual raise and bonus eligibility.
Health care plan options, with State Farm paying most of the health care premium.
In-network preventive care covered at 100% under medical plans.
Vision insurance.
Dental insurance.
Telemedicine and access to 24/7 mental health professionals.
Educational benefits, 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 policies, 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.
Free financial advisors for retirement planning.
401(k) plan with company contributions of up to 7% of salary.