Claim Specialist - Property Field Inspection

State Farm; Newtown (CT); On-site; USD 79,000 - 113,000; Full time

Benefits offered by this job

Competitive salary range

Annual raise and bonus opportunities

Health and wellbeing programs

Tuition assistance programs

Retirement plan with company match

Job summary

State Farm is seeking a Property Field Inspection Claim Specialist to handle accident and weather-related homeowners and commercial claims. You will conduct on-site assessments, gather evidence, and guide insureds through the claims process with excellent service.

Location is Sandy Hook, CT with remote-field work from home and occasional travel. The role demands strong communication, field inspection skills, and knowledge of policy terms to resolve claims effectively.

Qualifications

• Investigate problems, evaluate information, and make well-supported decisions.
• Interpret policies, guidelines, or technical information accurately.
• Learn unfamiliar concepts quickly and apply them practically.
• Interact with policyholders, agents, and stakeholders to move claims forward.
• Communicate clearly with customers and handle emotional conversations.
• Be detail-oriented with strong organizational and analytical skills.
• Proficient in using mobile/desktop tools to document claims.
• Must be physically capable of inspections, climbing, and lifting.

Responsibilities

• Conduct on-site inspections and assessments for residential and commercial claims.
• Collaborate with policyholders, agents, and others to gather information.
• Interact with parties who express emotions or concerns during inspections.
• Provide exceptional customer service throughout the claims process.
• Gather evidence, document findings, and prepare detailed reports.
• Investigate and adjust personal and commercial property claims up to $500,000.
• Evaluate coverage and terms to determine claim validity and compliance.
• Negotiate and settle claims within authorized limits.

Skills

Investigation skills

Policy interpretation

Learning agility

Stakeholder interaction

Customer-focused communication

Attention to detail

Mobile/desktop documentation

Physical agility

Rope and Harness Safety

Valid driver's license

Education

Bachelor's degree in related field or equivalent

Tools

Xactimate

XactContents

Job description

Overview

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.

Responsibilities

Grow Your Skills, Grow Your Potential

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. We are looking for an experienced and highly skilled professional to contribute to our dynamic team. State Farm is on the cutting edge with the use of technology to support claim employees in developing enhanced skillsets to support and protect our policyholders. Not Human or Digital. Human + Digital, working together. 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.

• 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

Where you’ll work

This position is located in Sandy Hook, CT. Competitive candidates should reside within one of the listed zip codes and will service in this same territory: 06001 06010 06013 06018 06019 06021 06024 06026 06027 06031 06035 06039 06057 06058 06060 06061 06063 06065 06068 06069 06070 06085 06089 06090 06091 06092 06093 06098 06468 06470 06479 06482 06488 06489 06702 06704 06708 06710 06716 06750 06751 06752 06753 06754 06755 06756 06757 06758 06759 06762 06763 06776 06777 06778 06779 06782 06783 06784 06785 06786 06787 06790 06791 06793 06794 06795 06796 06798 06801 06804 06810 06811 06812 06877 06896

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.

Qualifications

Competitive candidates must demonstrate:

• 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
• Ability to effectively interact with policyholders, agents, and other stakeholders to move claims forward efficiently
• 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

Preferred

• 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
• Xactimate, XactContents

Additional Details

• 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

Our Benefits

• Potential starting salary range: $78,862.06 - $112,500.00 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

At State Farm, we offer more than just a paycheck. Check out our suite of benefits designed to give you the flexibility you need to take care of you and your family!

• Get Paid! On top of our competitive pay, you are eligible for an annual raise and bonus.
• Stay Well! Focus on you and your family’s health with our robust health and wellbeing programs. State Farm pays most of your healthcare premium, and we offer multiple healthcare plan options, including a high deductible plan. All medical plans provide 100% coverage for in-network preventative care, AND you and your family have access to vision, dental, telemedicine, 24/7 mental health professionals, and much more!
• Develop and Grow! Take advantage of educational benefits like industry leading training programs, top-notch tuition assistance programs, employee resource groups, and mentoring.
• Plan Ahead! Plan for those big moments in life with benefits like fertility/IVF/adoption assistance, college coaching, national discount programs, interactive monthly financial workshops, free financial coaching, and more. You can also start a savings account or consider financing through our State Farm Federal Credit Union!
• Take a Little “You” Time! You will have access to our generous time off policies designed so you can plan around holidays, family events, volunteering, or just to take a relaxing day off. With the opportunity to initially earn 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, there will be plenty of time for you!
• Give Back! We offer several ways to give back through our Matching Gift Program, Good Neighbor Grant Program, and the Employee Assistance Fund.
• Finish Strong! Plan for retirement using free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.

Visit our State Farm Careers page for more information on our benefits, locations, and the hiring process of joining the State Farm team!