Claim Specialist – Property Field Inspection

State Farm

. Inspect and assess property damage for residential and commercial claims on site .

Posted 11/2/2026full-timeRemote • Colorado • United StatesMid-LevelSenior💰 $69,399 - $99,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in property damage assessment and claims adjustment, with strong analytical skills to evaluate coverage and policy terms. Proficient in customer service and effective communication, particularly in emotionally charged situations.

Highest-signal resume keywords

Property Damage AssessmentClaims AdjustmentEffective CommunicationCustomer Service ExperienceXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationPolicy InterpretationAnalytical SkillsDetail-OrientedNegotiation Skills

Soft Skills

Interpersonal SkillsOrganizational SkillsProblem-Solving SkillsEmotional Intelligence

Tools & Technologies

Mobile/Desktop ToolsXactContents

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceClaims ProcessRegulatory ComplianceResidential and Commercial ClaimsWater Mitigation Principles

About the role

Key responsibilities & impact

Inspect and assess property damage for residential and commercial claims on site
Meet with insureds as the first point of contact
Explain coverage and estimate damages
Help policyholders through the claims process while providing Remarkable service
Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims
Interact with parties who may express strong emotions or concerns about inspections or claim resolutions
Provide 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 and company guidelines
Service the Denver Metro territory and occasionally assist in other territories
Work flexible schedules and potentially overtime or irregular hours

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 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 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
Successful completion of required training, applicable proficiency and licensing exams, MVR checks, and background checks
Preferred: Bachelor’s Degree in Risk Management, Insurance, Business, Construction Management, or a 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

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% in-network preventative medical 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 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
Remote-field work from home with mobile office/vehicle for in-person appointments
Annual compensation based on a standard 38:45-hour work week