Claim Specialist - Property Field Inspection

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. Come join a #1 team and do some good! 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. 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 Ashland, KY. Competitive candidates should reside within one of the listed zip codes and will service this same territory: 41101 41102 41121 41124 41129 41132 41139 41141 41143 41144 41146 41149 41159 41160 41166 41168 41169 41174 41175 41180 41183 41201 41203 41219 41222 41226 41230 41232 41234 41238 41240 41254 41255 41256 41257 41260 41263 41264 41268 41271 41274. 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 Competitive candidates must demonstrate: Experience as a Property Field Inspection Claim Specialist in the insurance industry, specifically in property claims. Strong knowledge of property insurance policies, coverage, and claim handling practices. Knowledge of both residential and commercial building construction. Familiarity with local regulations and compliance requirements in your assigned territory. Excellent communication and interpersonal skills to effectively interact with clients, agents, and other stakeholders. Proven effective communication skills to handle difficult/emotional conversations with a customer‑minded focus. Proven ability to assess damages, estimate repair costs, and negotiate settlements. Detail‑oriented with strong organizational and analytical skills. Proficient in using claims management software and other relevant tools. 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. Experience in handling complex or high‑value claims. Construction background. Water mitigation inspection experience. Xactimate, XactContents. Additional Details Employees must successfully complete all required training, including applicable licensing exam(s) 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: $59,059.65 - $90,000 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. 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. #J-18808-Ljbffr