Claim Specialist - Property Field Inspection

State Farm•Hot Springs, AR

6d•Remote

About The Position

State Farm is seeking an experienced Property Field Inspection Claim Specialist to handle accident- and weather-related claims involving homeowners, commercial properties, and large losses. The specialist is a primary point of contact for insureds, explaining coverage, estimating damage, and guiding customers through the claims process with empathy and sound judgment. Technology supports the work, while employees apply their expertise to protect policyholders and provide service. This is a remote-field position based in the Hot Springs, Arkansas territory. The employee works from home and uses a mobile office or vehicle for in-person appointments, with opportunities to complete some work virtually from home. Travel outside the assigned territory may occasionally be required to assist other areas. The position handles personal and commercial property claims with exposures up to $500,000. Work schedules may be flexible and can 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 in real-world situations.
Ability to learn unfamiliar concepts, processes, and terminology quickly and apply them accurately.
Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward efficiently.
Effective communication and interpersonal skills for difficult or emotional conversations, with a customer-minded focus.
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, 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; driving is an essential function. A Motor Vehicle Record check is part of the pre-employment background check.
Successful completion of required training, applicable proficiency requirements and licensing exams, and required state 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.
Willingness and ability 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 to inquiries and concerns promptly and professionally.
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.
Explain coverage, estimate damages, and guide insureds through the claims process.
Occasionally travel outside the assigned territory to assist other territories.

Benefits

Potential annual incentive pay up to 15% of base salary.
Annual raises and bonuses.
Health and wellbeing programs, with State Farm paying most healthcare premiums and offering multiple healthcare plan options.
Medical plans provide 100% coverage for in-network preventive care.
Vision, dental, telemedicine, and access to 24/7 mental health professionals.
Industry-leading training programs and tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
College coaching and national discount programs.
Financial workshops and free financial coaching.
Generous time-off policies, with the opportunity to initially earn up to 20 days annually.
Parental leave, paid holidays, a 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 up to 7% of salary.