Claim Specialist – Property Field Inspection

State Farm

. Handle accident- and weather-related claims for homeowners, commercial properties, and large losses .

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

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in handling accident and weather-related claims for homeowners and commercial properties, with strong skills in investigation, evaluation, and negotiation. Proficient in customer service and effective communication, ensuring compliance with insurance policies and regulations.

Highest-signal resume keywords

Claims InvestigationCustomer ServiceNegotiation SkillsXactimate ProficiencyProperty Insurance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims AdjustmentDamage AssessmentPolicy EvaluationRegulatory ComplianceReport PreparationBuilding Construction KnowledgeWater Mitigation PrinciplesAnalytical SkillsOrganizational SkillsProblem Solving

Soft Skills

Effective CommunicationInterpersonal SkillsDetail-OrientedEmotional IntelligenceCollaboration

Tools & Technologies

Mobile Office ToolsDesktop ToolsXactContents

Certifications & Qualifications

Valid Driver’s LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceHomeowners ClaimsCommercial Property ClaimsRisk ManagementInsurance GuidelinesConstruction ManagementClaims ProcessStakeholder InteractionField InspectionsLoss Assessment

About the role

Key responsibilities & impact

Handle accident- and weather-related claims for homeowners, commercial properties, and large losses
Conduct on-site inspections and assessments of residential and commercial property damage
Serve as the first point of contact with insureds, explain coverage, estimate damages, and guide them through the claims process
Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims
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 to determine claim validity and regulatory compliance
Negotiate and settle claims within authorized limits
Work from home while using a mobile office/vehicle for in-person appointments
Service the assigned Council Bluffs territory and occasionally travel outside it to assist other territories

Requirements

What you’ll need

Experienced and highly skilled professional
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 interact effectively with policyholders, agents, and stakeholders
Effective communication and interpersonal skills for difficult/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 ability to walk, bend, reach, kneel, squat, stoop, lift, carry, unfold, climb ladders, traverse roofs, and crawl in tight spaces
May be required to complete Rope and Harness Safety Training
Valid driver’s license required
Motor Vehicle Record check required
Required completion of training, proficiency requirements, licensing exams, MVR checks, and background checks as applicable
Bachelor’s Degree in a related field such as Risk Management, Insurance, Business, Construction Management, or similar discipline preferred
Customer service experience preferred
Understanding of property insurance concepts preferred
Baseline knowledge of residential and commercial building construction and components/materials preferred
Familiarity with water mitigation principles and inspection processes preferred
Working knowledge of Xactimate and XactContents preferred
Ability and willingness to work flexible schedules, overtime, and/or irregular hours

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/financing options
Up to 20 days of annual time off initially
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
Flexible schedules and virtual work opportunities