Insurance Claims Examiner

21 hours ago


Memphis, Tennessee, United States State Farm Full time
About the Role

We are seeking a highly skilled Claims Specialist - Property Field Inspection to join our team at State Farm. As a critical member of our claims process, you will play a key role in helping our customers navigate the claims process, providing exceptional service and ensuring that their needs are met.

About the Company

State Farm is a leading insurance company that is committed to helping people, investing in our communities, and making the world a better place. We are a company that values our employees and provides a competitive Total Rewards package, including a starting salary of $59,000 - $79,230 annually, plus opportunities for bonuses, merit increases, and tuition assistance.

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.
  • 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
  • A bachelor's degree in a related field or equivalent work experience.
  • 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 your assigned territory.
  • Excellent communication and interpersonal skills to effectively interact with clients, agents, and other stakeholders.
  • 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 Requirements
  • 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.
Preferred Skills
  • Experience in handling complex or high-value claims, construction background, water mitigation inspection, and Xactimate, XactContents.


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