Claim Specialist - Property Field Inspection

State Farm; Elizabethtown (KY); Remote; USD 63,000 - 90,000; Full time

Job summary

State Farm is seeking a Property Field Inspection Claim Specialist to handle on-site inspections and claim assessments for homeowners, commercial properties, and large losses. You will meet insureds, explain coverage, estimate damages, and guide them through the claims process with remarkable service.

This remote-field role is based in Elizabethtown, KY, with a mobile office vehicle for in-person appointments and potential travel to other territories as needed.

Qualifications

• Investigate problems, evaluate information, and make well-supported decisions.
• Interpret detailed policies, guidelines, or technical information and apply them to real-world situations.
• Learn unfamiliar concepts quickly and apply knowledge practically.
• Interact effectively with policyholders, agents, and other stakeholders.
• Communicate clearly and empathetically with customers.
• Maintain strong organizational and analytical skills.
• Proficient use of mobile/desktop tools to document and support claims in field and remote settings.
• Physical agility for inspections, climbing roofs, and related activities.

Responsibilities

• Conduct on-site inspections and assessments of property damages for residential and commercial claims.
• Collaborate with policyholders, agents, and involved parties to gather information and resolve claims efficiently.
• Provide exceptional customer service throughout the claims process.
• Gather evidence, document findings, and prepare detailed reports to support claims handling.
• Investigate and adjust property claims with exposures up to $500,000.
• Evaluate coverage and policy terms to determine claim validity and compliance with regulations.
• Negotiate and settle claims within authorized limits per policy and guidelines.

Skills

Problem solving

Decision making

Policy interpretation

Learning agility

Customer communication

Interpersonal skills

Organization & analysis

Field/documentation tools

Physical stamina

Education

Bachelor's degree in Risk/Insurance/Construction

Tools

Xactimate / XactContents

Job description

Overview

Being good neighbors – helping people, investing in our communities, and making the world a better place – is who we are at State Farm. It is at the core of how we operate and the reason for our success. We're moving with urgency to become a Next Gen Good Neighbor, with technology that strengthens human connections and enhances the customer experience. As an employee, you'll spend less time navigating systems and more time applying judgment, empathy, and expertise in the moments that matter most.

Responsibilities

Grow Your Skills, Grow Your Potential

Join our team as a Property Field Inspection Claim Specialist and showcase your expertise in handling accident and weather-related claims for homeowners, commercial properties, and large losses.

We are looking for an experienced and highly skilled professional to contribute to our dynamic team. State Farm is on the cutting edge with the use of technology to support claim employees in developing enhanced skillsets to support and protect our policyholders. Not Human or Digital. Human + Digital, working together. You will be the first point of contact to meet with our insureds, explain coverage, estimate damages, and help them through the claims process while providing Remarkable service.

Key Responsibilities:

• Conduct on-site inspections and assessments of property damages for both residential and commercial claims
• Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently
• May occasionally require interacting with parties who express strong emotions or concerns about ongoing inspections or claim resolutions
• Provide exceptional customer service throughout the claims process, addressing inquiries and concerns promptly and professionally
• Gather necessary evidence, document findings and prepare detailed reports to support the claims handling process
• Investigate and adjust both personal and commercial property claims with exposures up to $500,000
• Evaluate coverage and policy terms to determine the validity of claims and ensure compliance with local regulations
• Negotiate and settle claims within the authorized limits, considering policy provisions, industry standards, and company guidelines

Where you'll work

This position is located in Elizabethtown, KY. Competitive candidates should reside within one of the listed zip codes and will service this same territory: 40004, 40008, 40009, 40012, 40013, 40020, 40033, 40037, 40040, 40047, 40049, 40051, 40052, 40060, 40061, 40062, 40069, 40071, 40078, 40104, 40107, 40108, 40109, 40110, 40111, 40115, 40117, 40118, 40119, 40121, 40140, 40142, 40143, 40144, 40145, 40146, 40150, 40152, 40155, 40157, 40160, 40161, 40162, 40165, 40170, 40171, 40175, 40176, 40177, 40178, 40229, 40272, 40328, 40464, 40468, 42338, 42343, 42348, 42349, 42351, 42361, 42368, 42701, 42712, 42713, 42716, 42718, 42721, 42722, 42724, 42726, 42732, 42733, 42740, 42743, 42748, 42753, 42754, 42757, 42758, 42762, 42764, 42765, 42776, 42782, 42784, 42788.

This is a Remote-Field position in which you will work from home and utilize a mobile office/vehicle for in-person appointments. Although the primary work location is in the field, with a commutable distance from home, there will be opportunities for virtual work to be completed at home. Additionally, there may be occasions where you will be required to travel outside your assigned area to assist in other territories.

Hours of operation are continually evaluated and may change based on business need. Successful candidates are able and willing to work flexible schedules and may be asked to work overtime and/or irregular hours.

Qualifications

• Ability to investigate problems, evaluate information, and make well-supported decisions
• Ability to interpret detailed policies, guidelines, or technical information and apply them accurately to real-world situations
• Ability to quickly learn unfamiliar concepts, processes, and terminology and apply that knowledge accurately in practical situations
• Ability to effectively interact with policyholders, agents, and other stakeholders to move claims forward efficiently
• Effective communication and interpersonal skills to handle difficult/emotional conversations with a customer-minded focus
• Detail-oriented with strong organizational and analytical skills
• Proficiency in using mobile/desktop tools to document and support claims both in the field and remotely
• Physical agility to allow for: walking, bending, reaching, kneeling, squatting, stooping, frequent lifting, carrying, unfolding, and climbing a ladder; ability to utilizing appropriate equipment in accordance with safety guidelines to traverse roofs at various heights and pitches for inspection of both residential and commercial structures; ability to crawl in tight spaces to gather information needed during the adjustment of a claim.
• May be required to complete Rope and Harness Safety Training
• A valid driver's license is required, as driving is an essential function of this job. A Motor Vehicle Record (MVR) will be requested as part of the pre-employment background check.

Preferred:

• Bachelor's Degree in a related field such as Risk Management, Insurance, Business, Construction Management or a similar discipline
• Customer service experience (e.g., assisting customers, handling inquiries/concerns professionally, communicating clearly and empathetically), demonstrating transferable skills that support client interactions in a Claims environment
• Understanding of property insurance concepts, including coverage fundamentals and general claim handling practices
• Baseline knowledge of residential and commercial building construction and building components/materials Familiarity with water mitigation principles and inspection processes
• Working knowledge of Xactimate and XactContents

Additional Details:

• Employees must successfully complete all required training, including applicable proficiency, licensing exam(s), Motor Vehicle Record (MVR) checks, and background checks required of various state(s).
• State Farm recently implemented new pre-employment assessments. Candidates that have previously taken an assessment may be asked to participate in additional testing.

Our Benefits

Because work-life balance is a priority at State Farm, compensation is based on our standard 38:45-hour work week!

• Potential starting salary range: $63,089.65 - $90,000.00 annually.
• Starting salary will be based on skills, background, and experience
• High end of the range limited to applicants with significant relevant experience
• Potential yearly incentive pay up to 15% of base salary

At State Farm, we offer more than just a paycheck.

Check out our suite of benefits designed to give you the flexibility you need to take care of you and your family!

• Get Paid! On top of our competitive pay, you are eligible for an annual raise and bonus.
• Stay Well! Focus on you and your family's health with our robust health and wellbeing programs. State Farm pays most of your healthcare premium, and we offer multiple healthcare plan options, including a high deductible plan. All medical plans provide 100% coverage for in-network preventative care, AND you and your family have access to vision, dental, telemedicine, 24/7 mental health professionals, and much more!
• Develop and Grow! Take advantage of educational benefits like industry leading training programs, top-notch tuition assistance programs, employee resource groups, and mentoring.
• Plan Ahead! Plan for those big moments in life with benefits like fertility/IVF/adoption assistance, college coaching, national discount programs, interactive monthly financial workshops, free financial coaching, and more. You can also start a savings account or consider financing through our State Farm Federal Credit Union!
• Take a Little “You” Time! You will have access to our generous time off policies designed so you can plan around holidays, family events, volunteering, or just to take a relaxing day off. With the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you!
• Give Back! We offer several ways to give back through our Matching Gift Program, Good Neighbor Grant Program, and the Employee Assistance Fund.
• Finish Strong! Plan for retirement using free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.

Visit our State Farm Careers page for more information on our benefits, locations, and the hiring process of joining the State Farm team!