Claim Specialist - Property Field Inspection

Company: State Farm Mutual Automobile Insurance Company
Location: Lima
Posted on: March 19, 2026

Job Description:

Location US-OH-Lima;US-OH-Findlay Job Category Claims and Investigation Position Type Regular Full Time Req ID 43427 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. Come join a 1 team and do some good! 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. 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 in Lima, OH. Competitive candidates should reside within one of the listed zip codes and will service this same territory: 43310 43316 43331 43345 43347 43413 43437 43451 43457 43462 43466 43467 43511 43516 43524 43526 43527 43529 43536 43541 43548 43556 44802 44804 44815 44817 44830 44841 44853 45801 45804 45805 45806 45807 45808 45810 45812 45813 45814 45816 45817 45819 45820 45821 45822 45827 45828 45830 45831 45832 45833 45835 45836 45840 45841 45843 45844 45849 45850 45851 45853 45854 45855 45856 45858 45859 45861 45862 45863 45864 45868 45870 45871 45872 45873 45874 45875 45876 45877 45879 45880 45881 45882 45884 45885 45886 45887 45888 45889 45890 45891 45893 45894 45895 45896 45897 45898 45899 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 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 * For Los Angeles candidates: Pursuant to the Los Angeles Fair Chance Initiative for Hiring, we will consider for employment qualified applicants with criminal histories. For San Francisco candidates: Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. 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 (https://jobs.statefarm.com/main) page for more information on our benefits (https://jobs.statefarm.com/employee-benefits) , locations (https://jobs.statefarm.com/office-locations) , and the hiring process (https://jobs.statefarm.com/employment-process) of joining the State Farm team! PMCL IN22 Compensation details: 59059.65-90000 Yearly Salary PI72da3dfb6e1e-29400-39870333

Keywords: State Farm Mutual Automobile Insurance Company, Hamilton , Claim Specialist - Property Field Inspection, Accounting, Auditing , Lima, Ohio