Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • 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 damage inspections and assessments, effectively communicating with policyholders, and managing the claims process while ensuring compliance with insurance regulations. Proficient in utilizing mobile and desktop tools for documentation and claims support.

Highest-signal resume keywords

Property Damage InspectionClaims ManagementCustomer ServiceRegulatory ComplianceXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationDamage AssessmentPolicy EvaluationNegotiationReport PreparationAnalytical SkillsDetail OrientationRope and Harness Safety TrainingUnderstanding of Property InsuranceKnowledge of Building Construction

Soft Skills

Effective CommunicationInterpersonal SkillsProblem-SolvingEmotional IntelligenceOrganizational Skills

Tools & Technologies

Mobile Office ToolsDesktop Documentation ToolsXACT Contents

Certifications & Qualifications

Valid Driver’s LicenseMVR Check

Industry Keywords

Residential PropertyCommercial PropertyInsurance ClaimsRisk ManagementWater 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 and estimate damages
Help policyholders through the claims process while providing Remarkable service
Collaborate with policyholders, insurance agents, and other involved parties
Gather information and resolve claims efficiently
Interact with parties who may express strong emotions or concerns
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
Work from home and use a mobile office/vehicle for in-person appointments
Complete virtual work at home and occasionally travel outside the assigned area to assist other territories

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 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
Valid driver’s license required
Motor Vehicle Record (MVR) check required as part of the pre-employment background check
Successful completion of required training, applicable proficiency and licensing exams, MVR 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 claim handling practices
Preferred: Knowledge of residential and commercial building construction and materials
Preferred: Familiarity with water mitigation principles and inspection processes
Preferred: Working knowledge of Xactimate and XACT Contents
Ability and willingness to work flexible schedules, overtime, and/or irregular hours
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 and 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