Claim Specialist - Property Field Inspection

State Farm•Salisbury, MD

2d•Remote

About The Position

State Farm is hiring a Property Field Inspection Claim Specialist to investigate and adjust accident- and weather-related property claims involving homeowners, commercial properties, and large losses. The specialist is a primary point of contact for insureds, explaining coverage, estimating damages, and guiding customers through the claims process while providing service and support. The role uses technology alongside professional judgment and customer interaction. This is a remote-field position based in Salisbury, Maryland. The employee works from home and uses a mobile office or vehicle for in-person appointments, with some virtual work completed from home. The position serves a specified local territory and may require occasional travel outside that territory. Work schedules are flexible and may include overtime or irregular hours based on business needs. Claims may have exposures up to $500,000.

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.
Ability to learn unfamiliar concepts, processes, and terminology quickly and apply that knowledge in practical situations.
Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward.
Effective communication and interpersonal skills, including handling difficult or emotional conversations with a customer-minded focus.
Strong attention to detail, organizational skills, and analytical skills.
Proficiency using mobile and desktop tools to document and support claims in the field and remotely.
Physical ability to walk, bend, reach, kneel, squat, stoop, lift and carry frequently, unfold equipment, climb ladders, traverse roofs at different heights and pitches using appropriate safety equipment, and crawl in tight spaces.
May be required to complete Rope and Harness Safety Training.
Valid driver's license; driving is an essential job function. A Motor Vehicle Record will be requested as part of the pre-employment background check.
Must successfully complete required training, applicable proficiency and licensing exams, and required state Motor Vehicle Record and background checks.
May be asked to complete additional pre-employment testing.

Nice To Haves

Bachelor’s degree in a related field such as Risk Management, Insurance, Business, or Construction Management.
Customer service experience, including assisting customers, handling inquiries and concerns professionally, and communicating clearly and empathetically.
Understanding of property insurance concepts, including coverage fundamentals and general claim handling practices.
Baseline knowledge of residential and commercial building construction and building components or materials.
Familiarity with water mitigation principles and inspection processes.
Working knowledge of Xactimate and XactContents.

Responsibilities

Conduct on-site inspections and assess damage for residential and commercial property claims.
Collaborate with policyholders, insurance agents, and other parties to gather information and resolve claims efficiently.
Interact professionally with people who may express strong emotions or concerns about inspections or claim resolutions.
Provide customer service throughout the claims process and respond promptly and professionally to inquiries and concerns.
Gather evidence, document findings, and prepare detailed reports to support claim handling.
Investigate and adjust personal and commercial property claims with exposures up to $500,000.
Evaluate coverage and policy terms to determine claim validity and ensure compliance with local regulations.
Negotiate and settle claims within authorized limits, considering policy provisions, industry standards, and company guidelines.

Benefits

401(k) plan with company contributions of up to 7% of salary.
Health insurance; State Farm pays most of the healthcare premium, and medical plans include in-network preventive care coverage.
Dental and vision plans.
Life insurance.
Paid time off, initially up to 20 days annually, plus parental leave, paid holidays, a celebration day, life leave, bereavement leave, and community service or education support days.
Annual merit increases.
Tuition reimbursement and educational assistance.
Health and wellbeing programs, including telemedicine and access to mental health professionals.
Fertility, IVF, and adoption assistance.
National discount programs.
Employee resource groups and mentoring.
Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
Free financial advisors, financial coaching, and financial workshops.
Potential yearly incentive pay of up to 15% of base salary.