Claim Specialist – Property Field Inspection

State Farm

. Conduct on-site inspections and assessments of residential and commercial property damages .

Posted 11/2/2026full-timePaducah • Kentucky • United StatesMid-LevelSenior💰 $63,090 - $90,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in conducting property inspections and assessments, effectively communicating with policyholders, and managing the claims process while ensuring compliance with insurance regulations. Proficient in utilizing mobile and desktop tools for documentation and claims support.

Highest-signal resume keywords

Property Damage AssessmentClaims InvestigationCustomer Service ExcellenceRegulatory ComplianceXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Property Insurance ConceptsClaims AdjustmentCoverage EvaluationAnalytical SkillsDetail-Oriented Documentation

Soft Skills

Effective CommunicationInterpersonal SkillsProblem-SolvingEmotional IntelligenceOrganizational Skills

Tools & Technologies

Mobile Office ToolsXactContentsDocumentation Software

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Residential PropertyCommercial PropertyClaims ProcessWater Mitigation PrinciplesBuilding Construction Knowledge

About the role

Key responsibilities & impact

Conduct on-site inspections and assessments of residential and commercial property damages
Meet with insureds as the first point of contact
Explain coverage and estimate damages
Help policyholders through the claims process while providing Remarkable service
Collaborate with policyholders, insurance agents, and other involved parties
Interact with parties who express strong emotions or concerns
Provide exceptional customer service and address inquiries and concerns
Gather evidence, document findings, and prepare detailed reports
Investigate and adjust personal and commercial property claims with exposures up to $500,000
Evaluate coverage and policy terms for claim validity and regulatory compliance
Negotiate and settle claims within authorized limits
Work from home and use a mobile office/vehicle for in-person appointments
Travel outside the assigned area when needed to assist other territories
Work flexible schedules and potentially overtime or irregular hours

Requirements

What you’ll need

Reside within one of the listed zip codes and service the same territory
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
Ability to effectively interact with policyholders, agents, and other stakeholders
Effective communication and interpersonal skills for difficult or emotional conversations
Detail-oriented with strong organizational and analytical skills
Proficiency using mobile/desktop tools to document and support claims in the field and remotely
Physical agility for walking, bending, reaching, kneeling, squatting, stooping, lifting, carrying, unfolding, climbing ladders, traversing roofs, and crawling in tight spaces
May be required to complete Rope and Harness Safety Training
Valid driver's license required
Successfully complete required training, applicable proficiency and licensing exams, MVR checks, and background checks
Bachelor's Degree in a related field preferred
Customer service experience preferred
Understanding of property insurance concepts preferred
Baseline knowledge of residential and commercial building construction preferred
Familiarity with water mitigation principles and inspection processes preferred
Working knowledge of Xactimate and XactContents preferred

Benefits

Comp & perks

Potential yearly incentive pay up to 15% of base salary
Annual raise and bonus
State Farm pays most of healthcare premium
Multiple healthcare plan options, including a high deductible plan
100% coverage for in-network preventative care
Vision, dental, telemedicine, 24/7 mental health professionals
Industry-leading training programs
Tuition assistance programs
Employee resource groups
Mentoring
Fertility/IVF/adoption assistance
College coaching
National discount programs
Interactive monthly financial workshops
Free financial coaching
State Farm Federal Credit Union savings or financing options
Initially earn up to 20 days annually
Parental leave
Paid holidays
Celebration day
Life leave (40 hours/year)
Bereavement leave
Community service/education support days
Matching Gift Program
Good Neighbor Grant Program
Employee Assistance Fund
Free financial advisors
401(k) plan with company contributions of up to 7% of salary