Claim Specialist – Property Field Inspection

This is a fully remote position, open to applicants in Maryland.

📋 Description

• Manage claims related to accidents and weather events for homeowners, commercial properties, and significant losses.

• Perform on-site evaluations and inspections of damage to both residential and commercial properties.

• Act as the initial point of contact for insured individuals.

• Clarify coverage details and assess damages.

• Assist policyholders throughout the claims process while delivering exceptional service.

• Collaborate with policyholders, insurance agents, and other relevant parties to collect information and resolve claims.

• Engage with individuals who may display strong emotions or concerns.

• Provide outstanding customer service, addressing inquiries and concerns promptly.

• Collect evidence and document findings thoroughly.

• Create comprehensive reports to support claims processing.

• Investigate and adjust personal and commercial property claims with exposures up to $500,000.

• Assess coverage and policy terms to validate claims and ensure regulatory compliance.

• Negotiate and settle claims within authorized limits.

• Operate from home and utilize a mobile office/vehicle for in-person meetings.

• Perform virtual work from home as needed.

• Occasionally travel outside the designated area to support other regions.

⛳️ Requirements

• Experienced and highly qualified professional.

• Capability to investigate issues, assess information, and make well-informed decisions.

• Proficient in interpreting detailed policies, guidelines, or technical information and applying them accurately.

• Quick to learn unfamiliar concepts, processes, and terminology.

• Effectively engage with policyholders, agents, and other stakeholders.

• Strong communication and interpersonal skills for handling difficult or emotional conversations.

• Detail-oriented with excellent organizational and analytical abilities.

• Proficient in using mobile and desktop tools to document and support claims both in the field and remotely.

• Physically agile, capable of walking, bending, reaching, kneeling, squatting, lifting, carrying, unfolding, and climbing ladders.

• Ability to use the appropriate equipment to navigate roofs of various heights and pitches.

• Ability to crawl in tight spaces.

• May need to complete Rope and Harness Safety Training.

• Valid driver’s license is mandatory.

• Motor Vehicle Record (MVR) check required as part of the pre-employment background screening.

• Must successfully complete necessary training, proficiency and licensing exams, MVR checks, and background checks.

• Preferred: Bachelor’s Degree in Risk Management, Insurance, Business, Construction Management, or a related field.

• Preferred: Experience in customer service.

• Preferred: Understanding of property insurance concepts and claims handling practices.

• Preferred: Basic knowledge of residential and commercial building construction and materials/components.

• Preferred: Familiarity with water mitigation principles and inspection methodologies.

• Preferred: Working knowledge of Xactimate and XactContents.

• Flexible schedule with a willingness to work overtime and/or irregular hours.

🏝️ Benefits

• Potential annual incentive pay up to 15% of base salary.

• Annual raises and bonuses.

• State Farm covers a significant portion of healthcare premiums.

• Multiple healthcare plan options, including a high deductible plan.

• 100% coverage for in-network preventative care.

• Vision, dental, telemedicine, and 24/7 access to mental health professionals.

• Health and wellness programs.

• Industry-leading training programs.

• Tuition assistance programs.

• Employee resource groups.

• Mentoring opportunities.

• Assistance for fertility, IVF, and adoption.

• College coaching services.

• National discount programs.

• Interactive monthly financial workshops.

• Free financial coaching available.

• Savings and financing options through State Farm Federal Credit Union.

• Generous time-off policies.

• Up to 20 days of vacation annually initially.

• Parental leave.

• Paid holidays.

• Celebration day.

• Life leave (40 hours/year).

• Bereavement leave.

• Community service and education support days.

• Matching Gift Program.

• Good Neighbor Grant Program.

• Employee Assistance Fund.

• Access to free financial advisors.

• 401(k) plan with company contributions of up to 7% of salary.