Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeGolden • Colorado • United StatesMid-LevelSenior💰 $69,399 - $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 support, with a strong focus on detail-oriented analysis and effective communication.

Highest-signal resume keywords

Property Damage InspectionClaims InvestigationCustomer Service ExperienceXactimate ProficiencyRegulatory Compliance Evaluation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims AdjustmentPolicy InterpretationDamage EstimationAnalytical SkillsReport PreparationNegotiation SkillsBuilding Construction KnowledgeWater Mitigation PrinciplesRope and Harness Safety TrainingPhysical Inspection Skills

Soft Skills

Effective CommunicationInterpersonal SkillsDetail-OrientedOrganizational SkillsProblem-Solving

Tools & Technologies

Mobile Office ToolsDesktop Documentation ToolsXactContents

Certifications & Qualifications

Valid Driver's LicenseProficiency and Licensing Exams

Industry Keywords

Insurance ClaimsResidential PropertyCommercial PropertyRisk ManagementConstruction Management

About the role

Key responsibilities & impact

Conduct on-site inspections and assessments of residential and commercial property damage
Meet 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
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, policy provisions, industry standards, and company guidelines
Work from home while utilizing a mobile office/vehicle for in-person appointments
Perform virtual work from home and occasionally travel outside the assigned territory to assist other territories
Handle potentially emotional interactions related to inspections or claim resolutions

Requirements

What you’ll need

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/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 at various heights and pitches, 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
Preferred: Bachelor’s Degree in a related field such as Risk Management, Insurance, Business, Construction Management, or similar
Preferred: Customer service experience
Preferred: Understanding of property insurance concepts and 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
Residence within one of the listed Foothills/Golden, Colorado ZIP codes
Ability and willingness to work flexible schedules, overtime, and/or irregular hours

Benefits

Comp & perks

Annual raise and bonus
Health and wellbeing programs
Employer-paid healthcare premiums and multiple healthcare plan options
In-network preventive care coverage
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 paid 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
Flexible/virtual work opportunities from home
Mobile office/vehicle for field work