Property Damage Claims Examiner

As a Property Damage Claims Examiner with State Farm Mutual Automobile Insurance Company, you will play a critical role in assessing and resolving property damage claims for homeowners, commercial properties, and large losses. This position is located in the San Francisco Bay Area and requires strong communication skills to effectively interact with clients, agents, and other stakeholders.

• 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

• Bachelor's degree in a related field is preferred or equivalent work experience
• Minimum of 5 years 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
• Demonstrated knowledge of both residential and commercial building construction
• Familiarity with local regulations and compliance requirements in California
• 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

The estimated annual salary range for this position is $73,824 - $114,148, based on experience and location. Additionally, employees are eligible for an annual bonus based on individual and enterprise performance, which can be up to 15% of annual salary.