Claim Specialist - Property Field Inspection

State Farm•Waldorf, MD

3d•Remote

About The Position

State Farm is hiring an experienced Property Field Inspection Claim Specialist to handle accident- and weather-related claims involving homeowners, commercial properties, and large losses. The specialist is a first point of contact for insureds, explaining coverage, estimating damage, and guiding customers through the claims process while providing attentive service. The role combines field inspections with technology and virtual work to support policyholders and claim handling. This is a remote-field position serving Charles, St. Mary’s, and Calvert counties in Southern Maryland. The employee works from home and uses a mobile office or vehicle for in-person appointments, with some virtual work from home and occasional travel outside the assigned territory. Candidates should reside within one of the listed ZIP codes and serve that territory. Hours may change with business needs; employees must be willing to work flexible schedules and may be asked to work overtime or irregular hours. The standard work week for compensation is 38 hours and 45 minutes. Employees must successfully complete required training and applicable proficiency and licensing exams, as well as required motor vehicle record and background checks. Candidates who have taken State Farm pre-employment assessments previously may be asked to complete additional testing.

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, carry, unfold, climb ladders, traverse roofs at various heights and pitches using appropriate safety equipment, and crawl in tight spaces.
A 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.
Willingness and ability to work flexible schedules and, when asked, overtime or irregular hours.
Successful completion of required training, applicable proficiency and licensing exams, motor vehicle record checks, and background checks.

Nice To Haves

Bachelor’s degree in a related field such as Risk Management, Insurance, Business, or Construction Management.
Customer service experience, including handling inquiries and concerns professionally and communicating clearly and empathetically.
Understanding of property insurance concepts, 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.
May be required to complete Rope and Harness Safety Training.

Responsibilities

Conduct on-site inspections and assess damage for residential and commercial property claims.
Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims.
Interact professionally with parties 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 claims 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, taking policy provisions, industry standards, and company guidelines into account.
Explain coverage, estimate damages, and help insureds through the claims process.

Benefits

Potential yearly incentive pay up to 15% of base salary.
Annual raise and bonus eligibility.
Health and wellbeing programs; State Farm pays most of the healthcare premium, with multiple medical plan options and 100% in-network preventative care coverage.
Vision, dental, telemedicine, and access to 24/7 mental health professionals.
Educational benefits, industry-leading training programs, tuition assistance, employee resource groups, and mentoring.
Fertility, IVF, and adoption assistance; college coaching; national discount programs; financial workshops and coaching.
Generous time-off policies, initially up to 20 days annually, parental leave, paid holidays, a celebration day, life leave, bereavement leave, and community service or education support days.
Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
Free financial advisors and a 401(k) plan with company contributions of up to 7% of salary.
State Farm Federal Credit Union savings and financing options.