Claim Specialist – Property Field Inspection

State Farm

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

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

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in conducting property inspections, evaluating claims, and negotiating settlements while providing exceptional customer service. Proficient in interpreting insurance policies and regulatory compliance, with strong analytical and organizational skills.

Highest-signal resume keywords

Property Damage InspectionClaims InvestigationNegotiation SkillsCustomer Service ExperienceXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims AdjustmentPolicy EvaluationRegulatory ComplianceAnalytical SkillsDetail-Oriented

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 ProcessResidential and Commercial PropertiesWater Mitigation PrinciplesBuilding Construction Knowledge

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 professionally with parties expressing strong emotions or concerns
Provide customer service throughout the claims process
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
Work from home and use a mobile office/vehicle for field appointments
Occasionally travel outside the assigned territory to assist other territories

Requirements

What you’ll need

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 ability to walk, bend, reach, kneel, squat, stoop, lift, carry, unfold, climb ladders, traverse roofs, and crawl in tight spaces
May be required to complete Rope and Harness Safety Training
Valid driver's license required
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 and 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
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/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
Remote work from home with mobile office/vehicle for field appointments
Flexible schedules and potential overtime/irregular hours