Claim Specialist-Injury

Responsibilities

• Reviewing and analyzing both residential and commercial property injury claims to determine coverage, liability, and damages with exposures up to $500,000
• Conducting thorough investigations by gathering relevant information, interviewing involved parties, and reviewing supporting documentation
• Evaluating medical records, police reports, and other related documents to assess the extent of injuries and liability
• Evaluating coverage and policy terms to determine the validity of claims and ensure compliance with local regulations
• Negotiating settlements with claimants, ensuring fair compensation is provided within policy limits considering policy provisions, industry standards, and company guidelines
• Documenting all claim activities, maintaining accurate records, and preparing reports as required
• Collaborate with external policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently
• Collaborating with internal teams, including legal, medical, and risk assessment, to ensure proper claim handling

Requirements

• Prior claim handling experience with proven ability to assess damages, estimate repair costs, and negotiate settlements
• Proficiency in using Claims Management software and other relevant tools
• Detail-oriented with strong written communication skills
• Effective verbal communication and interpersonal skills to handle difficult conversations with a customer-minded focus
• Strong critical thinking and decision-making skills
• Able to multi-task across technical platforms
• Strong organizational and time management skills
• Effective negotiation skills
• Able to work collaboratively in a team environment while also being self-motivated and able to work independently
• Identification of complexities that may require coordination with independent experts, vendors, or defense counsel

Qualifications

• 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
• A valid driver’s license is required
• Bachelor's Degree preferred
• Claim handling experience including: Bodily injury and property damage liability claims, as well as uninsured or underinsured motorist coverage claims
• Verification of coverage, legal liability, and extent of damage to persons and property by using knowledge of policies, procedures, laws, statutes, and insurance regulations
• Litigation experience – In person court appearances (including Trials, Settlement Conferences, Mediations)

Benefits

• Competitive starting salary range: $66,071.85 - $101,450.00
• Annual raise and bonus potential
• Healthcare benefits including most of the premium paid by State Farm
• Preventative care coverage, vision, dental, telemedicine, mental health professionals, and more
• Industry-leading training programs and tuition assistance
• Employee resource groups and mentoring
• Savings accounts and financing through State Farm Federal Credit Union
• Time off policies including up to 20 days annually plus parental leave, paid holidays, celebration day, life leave, bereavement leave, and community service/education support days
• Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund
• Retirement planning with free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary