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About the Role
State Farm is seeking a Property Field Inspection Claim Specialist to handle accident and weather-related claims for homeowners, commercial properties, and large losses. This role utilizes technology to enhance claim handling and provides exceptional customer service by meeting with insureds, explaining coverage, estimating damages, and guiding them through the claims process.
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.
Requirements
- 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.
- 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).
- Candidates that have previously taken an assessment may be asked to participate in additional testing.
Skills
- Property claims
- Property insurance policies
- Claim handling practices
- Residential and commercial building construction
- Local regulations and compliance
- Communication skills
- Interpersonal skills
- Customer service
- Damage assessment
- Repair cost estimation
- Negotiation
- Organizational skills
- Analytical skills
- Claims management software
- Xactimate
- XactContents
Location
- West Austin, TX
Work Type
- Remote-Field
- Flexible schedules
- Overtime
- Irregular hours
Experience Level
- Experienced
- Highly skilled
- 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
Education Level
- Bachelor's Degree in a related field or equivalent work experience
Salary/Compensations
- $59,059.65 - $90,000 annually
- Potential yearly incentive pay up to 15% of base salary
Benefits
- On top of our competitive pay, you are eligible for an annual raise and bonus.
- Robust health and wellbeing programs.
- State Farm pays most of your healthcare premium.
- Multiple healthcare plan options, including a high deductible plan.
- All medical plans provide 100% coverage for in-network preventative care.
- Access to vision, dental, telemedicine, 24/7 mental health professionals, and much more!
- Educational benefits like industry leading training programs, top-notch tuition assistance programs, employee resource groups, and mentoring.
- Fertility/IVF/adoption assistance.
- College coaching.
- National discount programs.
- Interactive monthly financial workshops.
- Free financial coaching.
- State Farm Federal Credit Union.
- Generous time off policies.
- 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.
- Matching Gift Program.
- Good Neighbor Grant Program.
- Employee Assistance Fund.
- Free financial advisors.
- 401(k) plan with company contributions of up to 7% of your salary.
About the Company
- 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.