Claim Specialist – Property Field Inspection

State Farm

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

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

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in conducting property damage inspections and assessments, effectively communicating with policyholders, and managing claims processes. Proficient in evaluating coverage, negotiating settlements, and ensuring regulatory compliance while providing exceptional customer service.

Highest-signal resume keywords

Property Damage InspectionClaims ManagementRegulatory ComplianceCustomer ServiceXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationPolicy EvaluationDamage EstimationAnalytical SkillsDetail Orientation

Soft Skills

Effective CommunicationInterpersonal SkillsProblem-SolvingEmotional Intelligence

Tools & Technologies

Mobile Office ToolsXactContents

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceClaims HandlingResidential ConstructionCommercial ConstructionWater Mitigation Principles

About the role

Key responsibilities & impact

Conduct on-site inspections and assessments of residential and commercial property damage
Meet with insureds as the first point of contact, 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
Interact professionally with parties expressing strong emotions or concerns
Provide exceptional customer service and address inquiries promptly
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
Service the Kingsport/Johnson City, Tennessee territory and occasionally assist other territories
Work flexible schedules, including possible overtime or irregular hours

Requirements

What you’ll need

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 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
Must successfully complete required training, applicable proficiency and licensing exams, Motor Vehicle Record checks, and background checks
Preferred: Bachelor’s Degree in Risk Management, Insurance, Business, Construction Management, or a similar discipline
Preferred: Customer service experience
Preferred: Understanding of property insurance concepts and general claim handling practices
Preferred: Baseline knowledge of residential and commercial building construction and materials
Preferred: Familiarity with water mitigation principles and inspection processes
Preferred: Working knowledge of Xactimate and XactContents

Benefits

Comp & perks

Potential yearly incentive pay up to 15% of base salary
Annual raise and bonus
State Farm pays most of healthcare premiums
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 and 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
Work from home with mobile office/vehicle for field appointments
Flexible schedules