Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • Minnesota • 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 the claims process. Proficient in evaluating insurance coverage, negotiating claims, and ensuring compliance with industry standards.

Highest-signal resume keywords

Property Damage InspectionClaims ManagementXactimate ExperienceCustomer Service ExcellenceRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Property Insurance KnowledgeClaims EvaluationNegotiation SkillsAnalytical SkillsDetail OrientationBuilding Construction KnowledgeWater Mitigation InspectionProblem InvestigationPolicy InterpretationDocumentation Preparation

Soft Skills

Effective CommunicationInterpersonal SkillsEmotional IntelligenceOrganizational SkillsFlexibility

Tools & Technologies

Mobile Office ToolsDesktop ToolsXactContents

Certifications & Qualifications

Rope and Harness Safety TrainingValid Driver's License

Industry Keywords

Residential Property ClaimsCommercial Property ClaimsInsurance PoliciesClaims ProcessFieldwork Experience

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 and estimate damages
Help policyholders through the claims process while providing Remarkable service
Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims
Interact with parties who may express strong emotions or concerns about inspections or claim resolutions
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, policy provisions, industry standards, and company guidelines
Work from home and use a mobile office/vehicle for in-person appointments
Occasionally travel outside the assigned area 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 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 frequent lifting, carrying, climbing ladders, navigating roofs at various heights, and crawling in tight spaces
May be required to complete Rope and Harness Safety Training
Valid driver's license required
Must reside within one of the listed zip codes and service the same territory
Able and willing to work flexible schedules, overtime, and/or irregular hours
Bachelor's Degree in a related field or equivalent work experience in Property Claims preferred
Relevant coursework and internship/fieldwork experience encouraged
Strong knowledge of property insurance policies, coverage, and claim handling practices
Knowledge of residential and commercial building construction
Water mitigation inspection experience
Xactimate and XactContents experience
Successful completion of required training, applicable proficiency and licensing exams, MVR checks, and background checks

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 flexibility with mobile office/vehicle for field appointments
Flexible schedules and potential overtime/irregular-hours opportunities