Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • California • United StatesMid-LevelSenior💰 $78,862 - $118,245 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in conducting property inspections, evaluating claims, and negotiating settlements while providing exceptional customer service. Proficient in interpreting insurance policies and utilizing mobile tools for documentation and claims support.

Highest-signal resume keywords

Property Damage InspectionClaims InvestigationNegotiation and SettlementCustomer Service ExperienceXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims AdjustmentPolicy EvaluationRegulatory ComplianceDamage EstimationAnalytical SkillsDetail OrientationProblem SolvingConstruction KnowledgeWater Mitigation PrinciplesTechnical Information Interpretation

Soft Skills

Effective CommunicationInterpersonal SkillsOrganizational SkillsEmotional IntelligenceCollaboration

Tools & Technologies

Mobile Office ToolsDesktop Documentation ToolsXactContents

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceClaims Handling PracticesResidential and Commercial PropertiesAccident ClaimsWeather-Related Claims

About the role

Key responsibilities & impact

Conduct on-site inspections and assessments of residential and commercial property damages
Handle accident- and weather-related claims for homeowners, commercial properties, and large losses
Meet 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
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, policy provisions, industry standards, and company guidelines
Service the assigned San Francisco territory and occasionally travel outside it to assist other territories
Work from home and use a mobile office/vehicle for in-person appointments
Complete virtual work from home when applicable

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 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 and 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 a related field such as Risk Management, Insurance, Business, Construction Management, or similar
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
Must be able and willing to work flexible schedules, overtime, and/or irregular hours
Competitive candidates must reside within one of the listed San Francisco-area zip codes

Benefits

Comp & perks

Annual raise and bonus
Health and wellbeing programs
Employer-paid portion of healthcare premiums
Multiple healthcare plan options, including a high deductible plan
Medical plans with 100% in-network preventive care coverage
Vision, dental, telemedicine, and 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
Generous paid time off policies
Up to 20 days annual leave 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/virtual work opportunities from home
Potential yearly incentive pay up to 15% of base salary