Claim Specialist - Property Field Inspection

About the role

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. This position is located in Morgantown, WV, and is a Remote-Field role where you will work from home and utilize a mobile office/vehicle for in-person appointments.

Competitive candidates should reside within one of the following 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.

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. You may occasionally 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.

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

• 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
• 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

Qualifications

Preferred qualifications include:

• 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
• Experience with Xactimate and XactContents

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).

Pay

Potential starting salary range: $63,089.65 - $90,000.00 annually. Starting salary will be based on skills, background, and experience. The high end of the range is limited to applicants with significant relevant experience. Potential yearly incentive pay up to 15% of base salary. Compensation is based on a standard 38:45-hour work week.

Benefits

• Get Paid! Eligible for an annual raise and bonus.
• Stay Well! Robust health and wellbeing programs with State Farm paying 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 more.
• Develop and Grow! Educational benefits like industry-leading training programs, top-notch tuition assistance programs, employee resource groups, and mentoring.
• Plan Ahead! Benefits like fertility/IVF/adoption assistance, college coaching, national discount programs, interactive monthly financial workshops, free financial coaching, and financing through State Farm Federal Credit Union.
• Take a Little “You” Time! Generous time off policies including 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.
• Give Back! Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
• Finish Strong! Plan for retirement with free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.