Claim Specialist – Property Field Inspection

State Farm

. Handle accident- and weather-related claims for homeowners, commercial properties, and large losses .

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 handling accident and weather-related claims for homeowners and commercial properties, with a strong focus on customer service, effective communication, and detailed documentation. Proficient in evaluating coverage, negotiating claims, and conducting thorough inspections while adhering to regulatory compliance and industry standards.

Highest-signal resume keywords

Claims InvestigationCustomer ServiceCoverage EvaluationNegotiation SkillsXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims AdjustmentDamage AssessmentPolicy InterpretationAnalytical 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 ProcessRisk ManagementBuilding ConstructionWater Mitigation

About the role

Key responsibilities & impact

Handle accident- and weather-related claims for homeowners, commercial properties, and large losses
Serve as the first point of contact with insureds
Explain coverage and estimate damages
Guide policyholders through the claims process while providing Remarkable service
Conduct on-site inspections and assessments of residential and commercial property damages
Collaborate with policyholders, insurance agents, and other involved parties
Interact with parties who express strong emotions or concerns about inspections or claim resolutions
Provide 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 for 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
Complete virtual work from home as needed
Travel outside the assigned area to assist other territories when required
Work flexible schedules and potentially overtime or irregular hours

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 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, and climbing ladders
Ability to use appropriate equipment to traverse roofs at various heights and pitches
Ability to crawl in tight spaces
May be required to complete Rope and Harness Safety Training
Valid driver's license required
Employees must successfully complete required training, applicable proficiency and licensing exams, MVR 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, coverage fundamentals, 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
Health and wellbeing programs
State Farm pays most of healthcare premium
Multiple healthcare plan options, including a high deductible plan
100% coverage for in-network preventative care on all medical plans
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
Generous time off policies
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-life balance supported by a standard 38:45-hour work week