Claim Specialist - Property Field Inspection

State Farm • Reno, NV

6h • Remote

About The Position

State Farm is hiring a Property Field Inspection Claim Specialist to handle accident- and weather-related claims involving homeowners, commercial properties, and large losses. The specialist is a first point of contact for insureds, explaining coverage, estimating damages, and guiding customers through the claims process while providing customer-focused service. State Farm uses technology to support employees in applying their judgment and expertise.

This is a remote-field position based in Reno, Nevada. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily serving an assigned territory. Occasional travel outside the territory may be required to assist elsewhere. Work hours may change with business needs; employees must be willing to work flexible schedules and may be asked to work overtime or irregular hours. The standard work week is 38 hours and 45 minutes.

Employees must successfully complete required training and applicable proficiency requirements, licensing exams, motor vehicle record checks, and background checks. Candidates who have previously taken a pre-employment assessment 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.
• Ability to learn unfamiliar concepts, processes, and terminology quickly and apply the knowledge in practical situations.
• 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 with 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 of varying heights and pitches using appropriate equipment and safety guidelines; and crawl in tight spaces.
• Valid driver's license.
• Must successfully complete required training, applicable proficiency requirements 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 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.
• Rope and Harness Safety Training may be required.

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 efficiently.
• Interact professionally with parties who may have strong emotions or concerns about inspections or claim resolutions.
• Provide customer service throughout the claims process and promptly address 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.

Benefits

• Annual raise and bonus; potential yearly incentive pay up to 15% of base salary.
• Health and wellbeing programs; State Farm pays most of the healthcare premium and offers multiple healthcare plan options.
• Vision, dental, telemedicine, 24/7 mental health professionals, and in-network preventive care coverage through medical plans.
• Educational benefits, 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.
• Generous time-off policies, initially up to 20 days annually, parental leave, paid holidays, celebration day, life leave, bereavement leave, and community service or education support days.
• Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
• Retirement planning resources and a 401(k) plan with company contributions of up to 7% of salary.
• State Farm Federal Credit Union savings and financing options.

What This Job Offers

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