Claim Specialist - Property Field Inspection

About the role

State Farm is moving with urgency to become a Next Gen Good Neighbor, blending technology with human expertise to strengthen customer connections and enhance the claims experience. As a Property Field Inspection Claim Specialist, you’ll spend less time navigating systems and more time applying judgment, empathy, and expertise in the moments that matter most to policyholders.

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
• Occasionally interact 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 authorized limits, considering policy provisions, industry standards, and company guidelines

Where you'll work

This is a Remote-Field position based in Nacogdoches, TX. Competitive candidates should reside within one of the listed zip codes and will service this same territory: 75633, 75643, 75654, 75667, 75669, 75681, 75759, 75760, 75764, 75766, 75784, 75785, 75788, 75789, 75845, 75847, 75901, 75904, 75925, 75926, 75929, 75930, 75931, 75932, 75935, 75936, 75937, 75939, 75941, 75943, 75944, 75946, 75948, 75949, 75954, 75959, 75960, 75961, 75964, 75965, 75968, 75969, 75972, 75973, 75974, 75975, 75976, 75977, 75980.

You will work from home and use a mobile office/vehicle for in-person appointments. While primarily field-based, there will be opportunities for virtual work and occasional travel outside your assigned area. Hours may vary based on business need, and you may be asked to work flexible schedules, overtime, or irregular hours.

Qualifications

• 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 in practical situations
• Effective communication and interpersonal skills to handle difficult or emotional conversations with a customer-focused approach
• 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; navigating roofs at various heights for inspection of both residential and commercial structures; crawling 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 in Property Claims
• Relevant coursework and internship/fieldwork experience
• Strong knowledge of property insurance policies, coverage, and claim handling practices
• Knowledge of both residential and commercial building construction
• Water mitigation inspection experience
• Xactimate and XactContents experience

Additional Details

Employees must successfully complete all required training, including applicable proficiency, licensing exams, Motor Vehicle Record (MVR) checks, and background checks required of various states. State Farm recently implemented new pre-employment assessments; candidates who have previously taken an assessment may be asked to participate in additional testing.

Pay

Compensation is based on our standard 38:45-hour work week. Potential starting salary range: $63,089.65 – $90,000 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.

Benefits

• Get Paid! Competitive pay with annual raises and bonus opportunities
• Stay Well! Robust health and wellbeing programs, with State Farm paying most healthcare premiums; includes multiple plan options, vision, dental, telemedicine, 24/7 mental health professionals, and 100% coverage for in-network preventative care
• Develop and Grow! Industry-leading training programs, tuition assistance, employee resource groups, and mentoring
• Plan Ahead! Fertility/IVF/adoption assistance, college coaching, national discount programs, monthly financial workshops, free financial coaching, and access to 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! Retirement planning with free financial advisors, a 401(k) plan, and company contributions up to 7% of salary