Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • Michigan • United StatesMid-LevelSenior💰 $69,399 - $99,000 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. Proficient in evaluating coverage, negotiating settlements, and ensuring regulatory compliance while providing exceptional customer service.

Highest-signal resume keywords

Property Damage InspectionClaims ManagementRegulatory ComplianceEffective CommunicationNegotiation Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationCoverage EvaluationReport PreparationAnalytical SkillsDetail OrientationProblem SolvingUnderstanding of Property InsuranceKnowledge of Building ConstructionWater Mitigation PrinciplesXactimate Proficiency

Soft Skills

Interpersonal SkillsCustomer ServiceOrganizational SkillsAdaptabilityEmotional Intelligence

Tools & Technologies

Mobile ToolsDesktop ToolsXactContents

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Residential PropertyCommercial PropertyInsurance ClaimsRisk ManagementConstruction Management

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 evidence and information, 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
Travel outside the assigned area occasionally to assist other territories
Complete virtual work from home when applicable
Work flexible schedules, overtime, and irregular hours based on business needs

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
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 and general 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
Must reside within one of the listed service-area zip codes: 48103, 48104, 48105, 48108, 48109, 48114, 48116, 48139, 48165, 48176, 48178, 48189, 48374, 48380, 48381
Ability and willingness to work flexible schedules, overtime, and/or irregular hours as needed

Benefits

Comp & perks

Potential yearly incentive pay up to 15% of base salary
Annual raise and bonus
Health and wellbeing programs
Employer-paid portion of healthcare premiums
Multiple healthcare plan options, including a high deductible plan
100% in-network preventative medical care coverage
Vision, dental, telemedicine, and 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
Time off policies, initially 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