Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • California • United StatesMid-LevelSenior💰 $69,399 - $104,056 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 utilizing mobile tools for documentation and claims support.

Highest-signal resume keywords

Property Field Inspection ExperienceClaims Investigation and AdjustmentXactimate and XactContents ProficiencyCustomer Service SkillsRegulatory Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims EvaluationDamage EstimationPolicy InterpretationAnalytical SkillsDetail OrientationProblem SolvingNegotiation SkillsPhysical AgilityRope and Harness Safety TrainingBuilding Construction Knowledge

Soft Skills

Effective CommunicationInterpersonal SkillsOrganizational Skills

Tools & Technologies

Mobile Office ToolsDesktop Documentation Tools

Certifications & Qualifications

Valid Driver's LicenseLicensing Exams

Industry Keywords

Property InsuranceClaims Handling PracticesWater Mitigation PrinciplesResidential and Commercial PropertiesRisk Management

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 policyholders through the claims process
Collaborate with policyholders, insurance agents, and other involved parties
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
Provide exceptional customer service and address inquiries and concerns
Service the assigned Riverside County territory and occasionally assist other territories
Work from home when completing virtual work and use a mobile office/vehicle for field appointments
Complete required training, assessments, licensing exams, MVR checks, and background checks

Requirements

What you’ll need

Experience as a property field inspection claim specialist or equivalent claims experience
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, climbing ladders, traversing roofs, and crawling 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
Residence within one of the listed zip codes in the assigned Riverside County territory
Bachelor’s Degree in a related field such as Risk Management, Insurance, Business, Construction Management, or similar discipline (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 (preferred)
Ability and willingness 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
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 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
Work-from-home opportunities and use of a mobile office/vehicle for field work