Claim Specialist - Property Field Inspection

State Farm • Cortland West, NY

34d • 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 role combines human judgment and customer service with technology to support policyholders throughout the claims process. As a first point of contact, the specialist meets with insureds, explains coverage, estimates damage, investigates claims, and provides service from initial inspection through resolution.

This is a remote-field position based in Cortland, New York. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily within an assigned territory. Virtual work may also be completed at home, and occasional travel outside the assigned territory may be required. Candidates should reside in one of the listed ZIP codes. Hours of operation may change based on business needs; flexible schedules, overtime, and irregular hours may be required.

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-minded focus.
• Strong organizational and analytical skills and attention to detail.
• 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 items, unfold equipment, and climb ladders; traverse roofs of varying heights and pitches using appropriate equipment and safety guidelines; and crawl in tight spaces.
• May be required to complete Rope and Harness Safety Training.
• Valid driver's license; driving is an essential function of the job.
• Successful completion of required training, applicable proficiency and licensing exams, Motor Vehicle Record checks, and background checks.
• Ability and willingness to work flexible schedules and, when needed, overtime or irregular hours.
• Competitive candidates should reside in one of the listed ZIP codes and service the assigned territory.

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 or materials.
• Familiarity with water mitigation principles and inspection processes.
• Working knowledge of Xactimate and XactContents.

Responsibilities

• Conduct on-site inspections and assess damage for residential and commercial property claims.
• 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.
• Meet with insureds, explain coverage, estimate damages, and guide them through 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 offering multiple medical plan options.
• Vision, dental, telemedicine, and access to 24/7 mental health professionals.
• Industry-leading training programs, tuition assistance, employee resource groups, and mentoring.
• Fertility, IVF, and adoption assistance; college coaching; national discount programs; financial workshops and coaching.
• Time-off policies, with the opportunity to initially earn up to 20 days annually, plus 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.
• 401(k) plan with company contributions of up to 7% of salary and access to free financial advisors.

What This Job Offers

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