Claim Specialist - Property Field Inspection

State Farm•Austin, TX

1d•Remote

About The Position

State Farm is hiring a Property Field Inspection Claim Specialist to investigate and adjust 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 damages, and guiding customers through the claims process while providing service. The role handles personal and commercial property claims with exposures up to $500,000, evaluates policy coverage, and negotiates and settles claims within authorized limits. This is a remote-field position based in Austin, Texas. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily within a commutable distance of home, with opportunities for virtual work. Occasional travel outside the assigned territory may be required. Candidates should reside in one of the specified ZIP codes: 78701, 78702, 78703, 78705, 78712, 78721, 78722, 78723, 78730, 78746, 78751, 78752, 78756, or 78757. Hours of operation may change based on business needs; flexible scheduling, overtime, or irregular hours may be required. Employees must complete required training and applicable proficiency and licensing exams, as well as required motor vehicle record and background checks. Candidates who have taken a pre-employment assessment previously may be asked to complete additional testing.

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 quickly learn unfamiliar concepts, processes, and terminology and apply that knowledge accurately.
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 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, and climb ladders; traverse roofs at various heights and pitches using appropriate equipment and safety guidelines; and crawl in tight spaces.
Valid driver's license.
Ability and willingness to work flexible schedules and, when requested, overtime or irregular hours.
Must successfully complete required training and applicable proficiency and licensing exams, motor vehicle record checks, 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 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, 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 assess damage to residential and commercial properties.
Work with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently.
Interact professionally with people who may express strong emotions or concerns about inspections or claim resolutions.
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 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.
Travel outside the assigned territory on occasion to assist other territories.
Complete required training, proficiency and licensing exams, motor vehicle record checks, and background checks.

Benefits

Potential yearly incentive pay up to 15% of base salary.
Annual raise and bonus eligibility.
Health and wellbeing programs, with State Farm paying most of the healthcare premium and offering multiple medical plan options.
Vision insurance, dental insurance, telemedicine, and access to 24/7 mental health professionals.
Educational benefits, including training programs and tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
National discount programs.
Generous time-off policies, 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.
Free financial advisors and a 401(k) plan with company contributions of up to 7% of salary.
College coaching and financial coaching.