Claim Specialist - Property Field Inspection

Being good neighbors – helping people, investing in our communities, and making the world a better place – is who we are at State Farm. It is at the core of how we operate and the reason for our success. We're moving with urgency to become a Next Gen Good Neighbor, with technology that strengthens human connections and enhances the customer experience. As an employee, you'll spend less time navigating systems and more time applying judgment, empathy, and expertise in the moments that matter most.

About the role

Join our team as a Property Field Inspection Claim Specialist and showcase your expertise in handling accident and weather-related claims for homeowners, commercial properties, and large losses. You will be the first point of contact to meet with our insureds, explain coverage, estimate damages, and help them through the claims process while providing Remarkable service.

This position is located in Baltimore, MD. Competitive candidates should reside within one of the listed zip codes and will service this same territory: 21001, 21005, 21009, 21010, 21013, 21014, 21015, 21017, 21028, 21034, 21040, 21047, 21050, 21051, 21052, 21053, 21057, 21078, 21082, 21084, 21085, 21087, 21111, 21120, 21128, 21131, 21132, 21154, 21156, 21160, 21161, 21162, 21205, 21206, 21213, 21219, 21220, 21221, 21222, 21224, 21225, 21226, 21230, 21231, 21234, 21236, 21237, 21287.

This is a Remote-Field position in which you will work from home and utilize a mobile office/vehicle for in-person appointments. Although the primary work location is in the field, with a commutable distance from home, there will be opportunities for virtual work to be completed at home. Additionally, there may be occasions where you will be required to travel outside your assigned area to assist in other territories. Hours of operation are continually evaluated and may change based on business need. Successful candidates are able and willing to work flexible schedules and may be asked to work overtime and/or irregular hours.

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
• May occasionally require interacting with parties who express strong emotions or concerns about ongoing inspections or claim resolutions
• 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

• Ability to investigate problems, evaluate information, and make well-supported decisions
• Ability to interpret detailed policies, guidelines, or technical information and apply them accurately to real-world situations
• Ability to quickly learn unfamiliar concepts, processes, and terminology and apply that knowledge accurately in practical situations
• Effective communication and interpersonal skills to handle difficult/emotional conversations with a customer-minded focus
• Detail-oriented with strong organizational and analytical skills
• Proficiency in using mobile/desktop tools to document and support claims both in the field and remotely
• 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
• May be required to complete Rope and Harness Safety Training
• A valid driver's license is required

Qualifications

Preferred qualifications:

• Bachelor's Degree in a related field or equivalent work experience in Property Claims
• Strong candidates with relevant coursework and internship/fieldwork experience are encouraged to apply
• Strong knowledge of property insurance policies, coverage and claim handling practices
• Knowledge of both residential and commercial building construction
• Water mitigation inspection experience
• Experience with Xactimate, XactContents

Employees must successfully complete all required training, including applicable proficiency, licensing exam(s), Motor Vehicle Record (MVR) checks, and background checks required of various state(s). State Farm recently implemented new pre-employment assessments. Candidates that have previously taken an assessment may be asked to participate in additional testing.

Pay

Compensation is based on our standard 38:45-hour work week. Potential starting salary range: $69,398.62 - $99,000.00 annually. Starting salary will be based on skills, background, and experience. High end of the range limited to applicants with significant relevant experience. Potential yearly incentive pay up to 15% of base salary.

Benefits

• Get Paid! On top of competitive pay, you are eligible for an annual raise and bonus.
• Stay Well! Focus on health and wellbeing with robust health programs. State Farm pays most of your healthcare premium, and multiple healthcare plan options are available, including a high deductible plan. All medical plans provide 100% coverage for in-network preventative care. Access to vision, dental, telemedicine, 24/7 mental health professionals, and more.
• Develop and Grow! Take advantage of educational benefits like industry-leading training programs, tuition assistance, employee resource groups, and mentoring.
• Plan Ahead! Plan for life’s big moments with benefits like fertility/IVF/adoption assistance, college coaching, national discount programs, financial workshops, free financial coaching, and savings accounts or financing through State Farm Federal Credit Union.
• Take a Little “You” Time! Access generous time off policies including up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days.
• Give Back! Participate in the Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
• Finish Strong! Plan for retirement with free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.