Claim Specialist - Property Field Inspection

State Farm; Chillicothe (MO); On-site; USD 59,060 - 90,000; Full time

Benefits offered by this job

Annual raise and bonus

Health and wellbeing programs

Tuition assistance

401(k) with company contributions

Extensive benefits package

Job summary

State Farm is seeking a Property Field Inspection Claim Specialist in Chillicothe, MO, handling on-site inspections for residential and commercial claims and guiding insureds through the claims process with a focus on service excellence.

Responsibilities include gathering evidence, estimating damages, and collaborating with policyholders and agents while ensuring regulatory compliance and timely resolutions. Remote-field setup and travel within territory are involved.

Qualifications

• Experience as Property Field Inspection Claim Specialist in insurance, specifically property claims.
• Strong knowledge of property policies, coverage and claim handling practices.
• Knowledge of residential and commercial building construction.
• Familiarity with local regulations and compliance in territory.
• Excellent communication and interpersonal skills to interact with clients, agents and stakeholders.
• Proven ability to assess damages, estimate repair costs, and negotiate settlements.
• Detail‑oriented with strong organizational and analytical skills.
• Proficient in using claims management software and other relevant tools.
• Physical agility: lift, climb ladders, inspect roofs, crawl spaces; may require Rope & Harness Safety Training.
• Valid driver’s license required.

Responsibilities

• Conduct on-site inspections and assessments of property damages for residential and commercial claims.
• Collaborate with policyholders, agents, and other parties to gather information and resolve claims.
• Interact with emotionally charged individuals professionally and empathetically.
• Provide exceptional customer service throughout the claims process.
• Gather evidence, document findings, and prepare detailed reports to support claims.
• Investigate and adjust personal and commercial property claims up to $500,000.
• Evaluate coverage and terms to determine claim validity and regulatory compliance.
• Negotiate and settle claims within authorized limits and company guidelines.

Skills

Property field inspection

Property insurance knowledge

Residential & commercial construction

Regulatory compliance awareness

Excellent communication

Damage estimation & negotiation

Organizational skills

Claims management software

Physical agility

Valid driver’s license

Education

Bachelor’s degree or equivalent

Tools

Xactimate

XactContents

Job description

Overview

Being good neighbors – helping people, investing in our communities, and making the world a better place – is who we are at State Farm. It is at the core of how we operate and the reason for our success. We're moving with urgency to become a Next Gen Good Neighbor, with technology that strengthens human connections and enhances the customer experience. As an employee, you'll spend less time navigating systems and more time applying judgment, empathy, and expertise in the moments that matter most.

Grow Your Skills, Grow Your Potential

Responsibilities

Join our team as a Property Field Inspection Claim Specialist and showcase your expertise in handling accident and weather‑related claims for homeowners, commercial properties, and large losses.

We are looking for an experienced and highly skilled professional to contribute to our dynamic team. State Farm is on the cutting edge with the use of technology to support claim employees in developing enhanced skillsets to support and protect our policyholders. Not Human or Digital. Human + Digital, working together. You will be the first point of contact to meet with our insureds, explain coverage, estimate damages, and help them through the claims process while providing Remarkable service.

Key Responsibilities:

• Conduct on‑site inspections and assessments of property damages for both residential and commercial claims
• Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently
• May occasionally require interacting with parties who express strong emotions or concerns about ongoing inspections or claim resolutions
• Provide exceptional customer service throughout the claims process, addressing inquiries and concerns promptly and professionally
• Gather necessary evidence, document findings, and prepare detailed reports to support the claims handling process
• Investigate and adjust both personal and commercial property claims with exposures up to $500,000
• Evaluate coverage and policy terms to determine the validity of claims and ensure compliance with local regulations
• Negotiate and settle claims within the authorized limits, considering policy provisions, industry standards, and company guidelines

Where you’ll work

This position is located Chillicothe, MO. Competitive candidates should reside within one of the listed zip codes and will service this same territory:

64085 64422 64424 64426 64429 64430 64442 64458 64465 64467 64469 64471 64474 64481 64490 64493 64494 64497 64601 64620 64622 64623 64624 64625 64632 64633 64635 64636 64637 64638 64639 64640 64641 64642 64643 64644 64647 64648 64649 64650 64652 64654 64656 64661 64664 64668 64670 64671 64673 64679 64682 64683 64686 64688 64689 65330 65344 65349

This is a Remote‑Field position in which you will work from home and utilize a mobile office/vehicle for in‑person appointments. Although the primary work location is in the field, with a commutable distance from home, there will be opportunities for virtual work to be completed at home. Additionally, there may be occasions where you will be required to travel outside your assigned area to assist in other territories.

Hours of operation are continually evaluated and may change based on business need. Successful candidates are able and willing to work flexible schedules and may be asked to work overtime and/or irregular hours.

Qualifications

Competitive candidates must demonstrate:

• Experience as a Property Field Inspection Claim Specialist in the insurance industry, specifically in property claims
• Strong knowledge of property insurance policies, coverage and claim handling practices
• Knowledge of both residential and commercial building construction
• Familiarity with local regulations and compliance requirements in your assigned territory
• Excellent communication and interpersonal skills to effectively interact with clients, agents, and other stakeholders
• Proven effective communication skills to handle difficult/emotional conversations with a customer‑minded focus
• Proven ability to assess damages, estimate repair costs, and negotiate settlements
• Detail‑oriented with strong organizational and analytical skills
• Proficient in using claims management software and other relevant tools
• Physical agility to allow for: frequent lifting, carrying and climbing a ladder; ability to navigate roofs at various heights for inspection of both residential and commercial structures; ability to crawl in tight spaces
• May be required to complete Rope and Harness Safety Training.
• A valid driver’s license is required

Preferred:

• Bachelor’s Degree in a related field or equivalent work experience
• Experience in handling complex or high‑value claims
• Construction background
• Water mitigation inspection experience
• Xactimate, XactContents

Additional Details:

• Employees must successfully complete all required training, including applicable proficiency, licensing exam(s), Motor Vehicle Record (MVR) checks, and background checks required of various state(s). 
• State Farm recently implemented new pre‑employment assessments. Candidates that have previously taken an assessment may be asked to participate in additional testing

Our Benefits

Because work‑life balance is a priority at State Farm, compensation is based on our standard 38:45‑hour work week!

• Potential starting salary range: $59,059.65 - $90,000.00 annually
  • Starting salary will be based on skills, background, and experience
  • High end of the range limited to applicants with significant relevant experience
• Potential yearly incentive pay up to 15% of base salary

At State Farm, we offer more than just a paycheck. Check out our suite of benefits designed to give you the flexibility you need to take care of you and your family!

• Get Paid! On top of our competitive pay, you are eligible for an annual raise and bonus.
• Stay Well! Focus on you and your family’s health with our robust health and wellbeing programs. State Farm pays most of your healthcare premium, and we offer multiple healthcare plan options, including a high deductible plan. All medical plans provide 100% coverage for in‑network preventative care, and you and your family have access to vision, dental, telemedicine, 24/7 mental health professionals, and much more!
• Develop and Grow! Take advantage of educational benefits like industry leading training programs, top‑notch tuition assistance programs, employee resource groups, and mentoring.
• Plan Ahead! Plan for those big moments in life with benefits like fertility/IVF/adoption assistance, college coaching, national discount programs, interactive monthly financial workshops, free financial coaching, and more. You can also start a savings account or consider financing through our State Farm Federal Credit Union!
• Take a Little “You” Time! You will have access to our generous time off policies designed so you can plan around holidays, family events, volunteering, or just to take a relaxing day off. With the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you!
• Give Back! We offer several ways to give back through our Matching Gift Program, Good Neighbor Grant Program, and the Employee Assistance Fund.
• Finish Strong! Plan for retirement using free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.

Visit our State Farm Careers page for more information on our benefits, locations, and the hiring process of joining the State Farm team!