Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • Iowa • United StatesMid-LevelSenior💰 $63,090 - $90,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in conducting property inspections, evaluating claims, and negotiating settlements while providing exceptional customer service. Proficient in interpreting insurance policies and applying relevant regulations to ensure compliance and effective claims resolution.

Highest-signal resume keywords

Property Claims InvestigationCustomer Service ExcellenceXactimate ProficiencyPolicy InterpretationNegotiation Skills

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Claims AdjustmentDamage AssessmentReport PreparationCoverage EvaluationAnalytical Skills

Soft Skills

Effective CommunicationInterpersonal SkillsDetail-OrientedOrganizational SkillsProblem-Solving

Tools & Technologies

Mobile Office ToolsDesktop Documentation Tools

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceClaims ProcessRisk ManagementBuilding ConstructionWater Mitigation

About the role

Key responsibilities & impact

Conduct on-site inspections and assessments of residential and commercial property damages
Meet with 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 comply with local regulations
Negotiate and settle claims within authorized limits, policy provisions, industry standards, and company guidelines
Work from home and use a mobile office/vehicle for field appointments
Travel outside the assigned area occasionally 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/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
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
Successful completion of 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 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

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
Generous time off policies
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
Remote-field work from home using a mobile office/vehicle
Virtual work opportunities at home