Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • Minnesota • 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 managing claims processes, and providing exceptional customer service. Proficient in evaluating insurance coverage, negotiating claims, and utilizing mobile and desktop tools for documentation.

Highest-signal resume keywords

Property Damage InspectionClaims ManagementCustomer ServiceXactimate ProficiencyNegotiation Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationPolicy InterpretationAnalytical SkillsDetail OrientationProblem Evaluation

Soft Skills

Effective CommunicationInterpersonal SkillsEmotional IntelligenceOrganizational Skills

Tools & Technologies

Mobile Office ToolsDesktop Documentation ToolsXactContents

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceResidential and Commercial ClaimsBuilding ConstructionWater Mitigation PrinciplesRisk 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, 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 professionally with parties who 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 to determine claim validity and comply with local regulations
Negotiate and settle claims within authorized limits according to policy provisions, industry standards, and company guidelines
Service the assigned Rochester, Minnesota territory and occasionally travel outside it to assist other territories
Work from home and use a mobile office/vehicle for in-person appointments
Complete virtual work from home when applicable

Requirements

What you’ll need

Experience in handling accident and weather-related claims for homeowners, commercial properties, and large losses
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 other stakeholders
Effective communication and interpersonal skills for difficult or emotional conversations
Detail-oriented with strong organizational and analytical skills
Proficiency using mobile and 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
Ability and willingness to work flexible schedules, overtime, and irregular hours
Must successfully complete required training, applicable proficiency and licensing exams, MVR checks, and background checks
Bachelor's Degree in a related field such as Risk Management, Insurance, Business, or Construction Management preferred
Customer service experience preferred
Understanding of property insurance concepts preferred
Baseline knowledge of residential and commercial building construction preferred
Familiarity with water mitigation principles and inspection processes preferred
Working knowledge of Xactimate and XactContents preferred

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% coverage for in-network preventative care on all medical plans
Vision insurance
Dental insurance
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 annual paid time off 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 from home and virtual work opportunities