Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeDes Moines • 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 damage inspections and assessments, effectively communicating with policyholders, and managing claims processes. Proficient in evaluating coverage, negotiating settlements, and ensuring regulatory compliance within the insurance industry.

Highest-signal resume keywords

Property Damage InspectionClaims ManagementCustomer Service ExperienceXactimate ProficiencyRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationPolicy EvaluationDamage EstimationReport PreparationAnalytical Skills

Soft Skills

Effective CommunicationInterpersonal SkillsDetail-OrientedProblem-SolvingOrganizational Skills

Tools & Technologies

Mobile Office ToolsDesktop ToolsXactContents

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceClaims Handling PracticesResidential ConstructionCommercial ConstructionWater Mitigation Principles

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 expressing 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 regulatory compliance
Negotiate and settle claims within authorized limits according to policy provisions, industry standards, and company guidelines
Work from the field using a mobile office/vehicle for in-person appointments and complete some virtual work from home
Occasionally travel outside the assigned territory to assist other territories
Work flexible schedules and potentially overtime or irregular hours

Requirements

What you’ll need

Must reside within one of the listed Des Moines-area zip codes and service the same territory
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 and 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, MVR checks, and background checks
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 materials (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
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, and 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 and free financial coaching
State Farm Federal Credit Union savings and financing options
Initially earn up to 20 days of annual time off
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
Mobile office/vehicle for in-person appointments