Claim Specialist - Property Field Inspection

State Farm•Natick, MA

9d•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 often the first point of contact for insureds, explaining coverage, estimating damage, and supporting customers through the claims process with empathy and sound judgment. The role uses technology alongside human expertise to support policyholders. The position is based in Natick, Massachusetts, and serves a specified territory. It is a remote-field role: the employee works from home and uses a mobile office or vehicle for in-person appointments, with opportunities to complete work virtually from home. Occasional travel outside the assigned territory may be required to assist other areas. The role handles personal and commercial property claims with exposures up to $500,000. Employees must complete required training and any applicable proficiency and licensing exams, as well as required motor vehicle record and background checks. A pre-employment assessment may also be required.

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 quickly learn unfamiliar concepts, processes, and terminology and apply them 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 agility to walk, bend, reach, kneel, squat, stoop, lift and carry frequently, unfold equipment, climb ladders, traverse roofs at varying 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, and a motor vehicle record check is part of the pre-employment background check.
Must successfully complete required training, applicable proficiency and licensing exams, and required motor vehicle record 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 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 involved parties to gather information and resolve claims efficiently.
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.
Explain coverage, estimate damages, and guide insureds through the claims process.

Benefits

Annual raise and bonus; potential yearly incentive pay up to 15% of base salary.
Health and wellbeing programs, with State Farm paying most of the healthcare premium and offering multiple medical plan options.
In-network preventive care covered at 100% under medical plans.
Vision, dental, telemedicine, and access to 24/7 mental health professionals.
Educational benefits, including training programs and tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
College coaching, national discount programs, financial workshops, and financial coaching.
Time-off policies, with the opportunity to initially earn up to 20 days annually.
Parental leave, paid holidays, celebration day, life leave, bereavement leave, and community service or education support days.
Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
401(k) plan with company contributions of up to 7% of salary.
Free financial advisors.
State Farm Federal Credit Union savings and financing options.