Claim Specialist - Property Field Inspection

Property Field Inspection Claim SpecialistBeing 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.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 claimsCollaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficientlyMay occasionally require interacting with parties who express strong emotions or concerns about ongoing inspections or claim resolutionsProvide exceptional customer service throughout the claims process, addressing inquiries and concerns promptly and professionallyGather necessary evidence, document findings, and prepare detailed reports to support the claims handling processInvestigate and adjust both personal and commercial property claims with exposures up to $500,000Evaluate coverage and policy terms to determine the validity of claims and ensure compliance with local regulationsNegotiate and settle claims within the authorized limits, considering policy provisions, industry standards, and company guidelinesWhere you'll work: This position is located in Union, MO Competitive candidates should reside within one of the listed zip codes and will service this same territory: 63013 63014 63015 63023 63037 63039 63041 63055 63056 63061 63068 63069 63072 63084 63089 63090 63091 63357 65041 65066. 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:Ability to investigate problems, evaluate information, and make well-supported decisionsAbility to interpret detailed policies, guidelines, or technical information and apply them accurately to real-world situationsAbility to quickly learn unfamiliar concepts, processes, and terminology and apply that knowledge accurately in practical situationsAbility to effectively interact with policyholders, agents, and other stakeholders to move claims forward efficientlyEffective communication and interpersonal skills to handle difficult/emotional conversations with a customer-minded focusDetail-oriented with strong organizational and analytical skillsProficiency in using mobile/desktop tools to document and support claims both in the field and remotelyPhysical 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 TrainingA 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 disciplineCustomer service experience (e.g., assisting customers, handling inquiries/concerns professionally, communicating clearly and empathetically), demonstrating transferable skills that support client interactions in a Claims environmentUnderstanding of property insurance concepts, including coverage fundamentals and general claim handling practicesBaseline knowledge of residential and commercial building construction and building components/materialsFamiliarity with water mitigation principles and inspection processesWorking knowledge of Xactimate and XACT ContentsAdditional 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 annuallyStarting salary will be based on skills, background, and experienceHigh end of the range limited to applicants with significant relevant experiencePotential yearly incentive pay up to 15% of base salaryAt 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!