Claim Specialist-Property Complex

State Farm
April 16, 2019
Bloomington, IL
Job Type


Job Title
Claim Specialist-Property Complex

Number Of Openings

Job Category

Employment Type
Regular Full-Time



Bloomington, IL

Duties And Responsibilities

  • Consistently deliver remarkable customer experience through handling property claims
  • Investigates, evaluates, negotiates, and settles auto claims in an assigned area to include verification of coverage, legal liability and extent of damage to persons and property, which may require contact by telephone, email, correspondence. in-person or other electronic media
  • Applies knowledge of policies, procedures, laws, statutes and insurance regulations when determining coverage, liability, and property damage
  • Determines whether an additional or specialized investigation is necessary for claim resolution
  • Uses various electronic resources for claim handling
  • Works in partnership with and provides instruction to claim associates
  • Works with minimal supervision to recognize, investigate and resolve complex coverage, liability and damage issues
  • Handles claims involving litigation, which may include complex/non-routine lawsuits, alternative dispute resolution, and extra-contractual damage
  • Works with attorneys in the defense of lawsuits with management oversight
  • Assist in training and/or mentoring less experienced team members
  • Collaborate with internal partners and interface with external vendors
  • Attends trials, mediations, depositions, if court ordered
  • Reporting to P&C claims
  • Serve as a resource to the team by assisting lower band claim representatives with moderate complexity claims, as needed
  • Explaining/handling less complex PIP/AB/MPC handling when appropriate
  • Prepares and/or reviews were written or computerized estimates in loss settlements
  • Arrangement of a rental car, providing towing service (when required), SIU (recognize potential fraud indicators) and Subrogation (recognize sub and salvage)
  • Leverage the appropriate job aids, expertise, and tools to accurately and consistently process more complex property claims
  • Secures releases from appropriate parties
  • Inform agents as needed during the claims process
  • Leverage the appropriate job aids, expertise, and tools to accurately and consistently handle property claims
  • Recognizes and explains terms of policy as appropriate
  • Recognizes and resolves potential NICB indicators
  • Conduct investigations, evaluations and negotiated settlements on meritorious claims
  • Explaining/handling less complex PIP/AB/MPC handling when appropriate
  • Prepares and/or reviews were written or computerized estimates in loss settlements
  • Recognizes and properly handles subrogation and salvage issues
  • Secures releases from appropriate parties
  • Inform agents as needed during the claims process
  • Assist in training and/or mentoring less experienced associates and specialists

Job Duties and Responsibilities During Training Period

  • Learns to interpret and apply insurance contract provisions
  • Develops and applies basic knowledge of property related issues to handle claims with quality within the authority
  • Resolves claims of disputed liability with appropriate oversight and guidance
  • Learns and adheres to standard claim processes
  • Explains Auto Damage Service Program (ADSP)
  • Utilizes Select Service locator and sends Select Service assignments, schedules staff assignments (non-Select Service), and schedules drive-in appointments
  • Arrangement of a rental car and providing towing service (when appropriate)
  • Learns to create and send applicable letters
  • Consults with claims management on coverage issues to determine the appropriate course of action
  • Learns to recognize and properly handle subrogation and salvage issues
  • Confers with management regarding the retention of outside investigative agencies and external vendors
  • Communicates with witnesses, agents, other insurance companies, repair shops, contractors, attorneys, and others in the course of conducting investigations

Additional Details

  • Complete all applicable training
  • Fulfill state licensing and continuing education requirements as applicable
  • Position may require walking, climbing, bending, reaching kneeling, squatting, stooping, crawling, and/or lifting objects
  • Job may require travel overnight via commercial transportation or driving motor vehicles to any office locations where the Company does business, or other locations to conduct/attend training, conferences, meetings, and/or seminars
  • May be required to work additional hours, overtime hours, or non-standard hours, including varying work shifts, nights, weekends and holidays, based on workload and as the operation dictatesREQUIRED TRAINING: You will be required to attend all training necessary for this position as dictated by the department. Training requirements, times and duration may vary based on current job role, experience, jurisdictional knowledge, etc. Training hours are normally 8:00 a.m. - 4:30 p.m. Monday through Friday, with a 45 minute non-paid lunch daily. Training hours may vary based on business need.HOURS OF OPERATION: The anticipated hours of operation will be 7:00 a.m. - 7:00 p.m. customer time. As such, depending on the customer time zone and employee office location, employee shift may fall outside of 7:00 a.m. - 7:00 p.m. employee time. Employees may be expected to work in a rotating shift environment including irregular hours, weekends and holidays based on workload and job requirements. Employees' work schedules may change based on business need.

    LICENSING (if applicable): This position requires successful completion of all applicable state adjustor licensing exams and background checks necessary to obtain the appropriate state-mandated licenses. Employees will have three attempts to successfully complete all exams. The maximum time period between the initial examination attempt and the final attempt is 90 business days. Newly hired employees must obtain licenses within six months of their hire date. You must maintain and keep all licenses current and in good standing including completion of required continuing education. Failure to successfully complete all exams and/or complete and pass the state required background checks timely may result in termination of employment.

    Additionally, there may be some initial out-of-pocket expenses for licensing registration that you will be asked to pay during your first week of employment. State Farm will reimburse these expenses within 5-7 business days of your expense reimbursement request. You will also complete a P&C Licensing Agreement as part of your onboarding.

    TELEPHONE MONITORING: Positions are subject to telephone monitoring and/or recording for quality assurance and training purposes. You will be required to sign the Acknowledgement and Consent to Telephone Monitoring and Recording Form on your start date.

Company Description

At State Farm®, our mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams. We are passionate and driven to create possibilities, and we’re serious about being here to help life go right™ for customers by providing solutions for all of life’s moments.

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