Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • Michigan • 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 ensuring compliance with industry standards. Proficient in utilizing mobile and desktop tools for documentation and claims support, with strong communication and interpersonal skills for effective stakeholder interaction.

Highest-signal resume keywords

Claims InvestigationProperty Damage AssessmentNegotiation SkillsRegulatory ComplianceXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims HandlingCoverage EvaluationReport PreparationPolicy InterpretationDamage EstimationProblem SolvingAnalytical SkillsDetail OrientationConstruction KnowledgeWater Mitigation Principles

Soft Skills

Effective CommunicationInterpersonal SkillsOrganizational SkillsCustomer ServiceEmotional Intelligence

Tools & Technologies

Mobile Office ToolsDesktop Documentation ToolsXactContents

Certifications & Qualifications

Rope and Harness Safety TrainingValid Driver's License

Industry Keywords

Property InsuranceClaims ProcessResidential and Commercial PropertiesRisk ManagementInsurance Concepts

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 and estimate damages
Guide policyholders through the claims process while providing Remarkable service
Collaborate with policyholders, insurance agents, and other involved parties
Gather evidence and document findings
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, policy provisions, industry standards, and company guidelines
Work from home and use a mobile office/vehicle for in-person appointments
Complete virtual work from home
Occasionally travel outside the assigned area 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 interact effectively with policyholders, agents, and 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 ability to walk, bend, reach, kneel, squat, stoop, lift, carry, unfold, and climb 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 check and background check required
Successfully complete 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: 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 be able and willing 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 premiums
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 and 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
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