Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeChillicothe • Missouri • 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, evaluating claims, and providing exceptional customer service while effectively communicating with policyholders and stakeholders. Proficient in utilizing mobile and desktop tools for documentation and claims support, with a strong understanding of property insurance concepts and compliance regulations.

Highest-signal resume keywords

Property Claims InvestigationCustomer Service ExcellenceXactimate ProficiencyEffective Communication SkillsDetail-Oriented Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims EvaluationDamage AssessmentPolicy InterpretationNegotiation SkillsAnalytical Skills

Soft Skills

Interpersonal SkillsProblem-SolvingEmotional IntelligenceOrganizational Skills

Tools & Technologies

XactContentsMobile Office ToolsDesktop Documentation Tools

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceClaims ProcessResidential and Commercial PropertiesRisk ManagementBuilding Construction

About the role

Key responsibilities & impact

Conduct on-site inspections and assessments of residential and commercial property damages
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
Interact with parties who may express strong emotions or concerns about inspections or claim resolutions
Provide exceptional customer service and address inquiries and concerns promptly and professionally
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 compliance with local regulations
Negotiate and settle claims within authorized limits, policy provisions, industry standards, and company guidelines
Work from home and utilize a mobile office/vehicle for in-person appointments
Complete virtual work at home and occasionally travel outside the assigned area to assist other territories
Complete required training, assessments, licensing exams, MVR checks, and background checks

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 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
A valid driver's license is required
Employees must successfully complete required training, applicable proficiency and licensing exams, MVR checks, and background checks
Willingness to work flexible schedules, overtime, and/or irregular hours
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 claim handling practices
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
Competitive candidates should reside within one of the listed ZIP codes and service the same territory

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 and financing options
Up to 20 days annually 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
Work from home opportunities for virtual work