Claim Specialist - Property Field Inspection

State Farm; Morgantown (WV); Hybrid; USD 63,000 - 90,000; Full time

Job summary

State Farm is seeking a Property Field Inspection Claim Specialist to manage on-site inspections 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.

Responsibilities include inspections, information gathering, and reporting. You will adjust claims up to $500,000, verify coverage, and negotiate settlements within policy guidelines while delivering strong customer

Qualifications

• Ability to investigate problems, evaluate information, and make well-supported decisions.
• Ability to interpret detailed policies, guidelines, or technical information and apply them.
• Ability to quickly learn unfamiliar concepts and apply that knowledge practically.
• Ability to interact effectively with policyholders, agents, and stakeholders.
• Strong communication and interpersonal skills for difficult conversations.
• Detail-oriented with strong organizational and analytical skills.
• Proficiency using mobile/desktop tools to document claims in field and remotely.
• Physical agility for lifting, climbing ladders, and roof inspections.
• Valid driver's license is required.
• May complete Rope and Harness Safety Training.

Responsibilities

• Conduct on-site inspections and assessments of property damages for residential and commercial claims.
• Collaborate with policyholders, agents, and others to gather information and resolve claims efficiently.
• Interact with parties who express emotions or concerns during inspections or resolutions.
• Provide exceptional customer service throughout the claims process.
• Gather evidence, document findings, and prepare detailed reports.
• Investigate and adjust personal and commercial property claims up to $500,000.
• Evaluate coverage and policy terms to determine claim validity and compliance.
• Negotiate and settle claims within authorized limits following policy terms.

Skills

Investigation

Policy interpretation

Customer service

Communication

Mobility for travel

Detail oriented

Safety awareness

Driver's license

Education

Bachelor's degree or related field

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.

Grow Your Skills, Grow Your Potential

Responsibilities

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 informationand 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 Morgantown, WV. Competitive candidates should reside within one of the listed zip codes and will service this same territory: 26374 26405 26410 26425 26440 26444 26501 26505 26506 26508 26519 26520 26525 26534 26537 26541 26542 26543 26544 26546 26547 26560 26588 26705 26716 26719 26726 26750 26753 26764 26767

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: frequent lifting, carrying and climbing a ladder; ability to navigate roofs at various heights for inspection of both residential and commercial structures; ability to crawl in tight spaces
• May be required to complete Rope and Harness Safety Training.
• A valid driver's license is required

Preferred:

• Bachelor's Degree in a related field or equivalent work experience in Property Claims
  • Strong candidates with relevant coursework and internship/fieldwork experience are encouraged to apply
• Strong knowledge of property insurance policies, coverage and claim handling practices
• Knowledge of both residential and commercial building construction
• Water mitigation inspection experience
• Xactimate, 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!

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