Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • Iowa • 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 providing exceptional customer service while navigating complex insurance policies and regulations. Proficient in utilizing mobile and desktop tools for documentation and claims management in both residential and commercial settings.

Highest-signal resume keywords

Claims InvestigationCustomer ServiceProperty Insurance ConceptsXactimate ProficiencyRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims AdjustmentDamage AssessmentPolicy EvaluationNegotiationReport PreparationAnalytical SkillsDetail OrientationProblem SolvingTechnical Information InterpretationConstruction Knowledge

Soft Skills

Effective CommunicationInterpersonal SkillsEmotional IntelligenceOrganizational SkillsCollaboration

Tools & Technologies

Mobile Office ToolsDesktop Documentation ToolsXactContents

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Residential PropertyCommercial PropertyClaims ProcessRisk ManagementInsurance

About the role

Key responsibilities & impact

Conduct on-site inspections and assessments of residential and commercial property damages
Handle accident- and weather-related claims for homeowners, commercial properties, and large losses
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 information and resolve claims efficiently
Interact with parties who may 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 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
Service the assigned Des Moines-area territory and occasionally travel outside it to assist other territories
Complete virtual work from home as needed

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 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
Must successfully complete required training, applicable proficiency and licensing exams, Motor Vehicle Record checks, and background checks
Willingness and ability to work flexible schedules, overtime, and irregular hours
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
Preferred: baseline knowledge of residential and commercial construction and building 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
Health and wellbeing programs
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
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 of annual 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 with a mobile office/vehicle for in-person appointments
Flexible schedules