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State Farm

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 effective communication, negotiation, and regulatory compliance. Proficient in conducting inspections, preparing detailed reports, and guiding policyholders through the claims process while ensuring remarkable service.

Highest-signal resume keywords
Claims HandlingProperty Damage AssessmentNegotiation SkillsRegulatory ComplianceCustomer Service Experience

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 InvestigationPolicy InterpretationDamage EstimationReport PreparationAnalytical SkillsDetail OrientationKnowledge of Property InsuranceUnderstanding of Construction ComponentsWater Mitigation PrinciplesXactimate Proficiency
Soft Skills
Effective CommunicationInterpersonal SkillsProblem-SolvingOrganizational SkillsEmotional Intelligence
Tools & Technologies
Mobile ToolsDesktop ToolsXactContents
Certifications & Qualifications
Rope and Harness Safety TrainingValid Driver's License
Industry Keywords
Homeowners InsuranceCommercial Property InsuranceClaims ProcessRisk ManagementConstruction Management

About the role

Key responsibilities & impact
  • Handle accident- and weather-related claims for homeowners, commercial properties, and large losses
  • Conduct on-site inspections and assessments of residential and commercial property damage
  • Serve as the first point of contact for insureds
  • Explain coverage and estimate damages
  • Guide policyholders through the claims process while providing Remarkable service
  • Collaborate with policyholders, insurance agents, and other involved parties
  • Gather information, evidence, and documentation
  • Prepare detailed reports supporting claims handling
  • 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
  • Address inquiries, concerns, and emotionally charged interactions professionally
  • Travel outside the assigned territory 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 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
  • Motor Vehicle Record (MVR) check required
  • Successful completion of required training, proficiency and licensing exams, MVR checks, and background checks
  • Preferred: Bachelor’s Degree in 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 construction and building components/materials
  • Preferred: Familiarity with water mitigation principles and inspection processes
  • Preferred: Working knowledge of Xactimate and XactContents
  • Residence within one of the listed St. Louis-area ZIP codes
  • Ability and willingness to work flexible schedules, overtime, and/or irregular hours

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 paid time off 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 and virtual work opportunities
  • Mobile office/vehicle for in-person appointments