Claim Specialist – Property Field Inspection

State Farm

. Handle accident- and weather-related claims for homeowners, commercial properties, and large losses .

Posted 11/2/2026full-timePueblo • Colorado • United StatesMid-LevelSenior💰 $63,090 - $90,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in handling accident and weather-related claims for homeowners and commercial properties, with a strong focus on customer service, effective communication, and detailed documentation. Proficient in evaluating coverage, negotiating claims, and ensuring regulatory compliance while utilizing mobile and desktop tools for claims management.

Highest-signal resume keywords

Claims InvestigationCustomer ServiceRegulatory ComplianceXactimate ProficiencyProperty Insurance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims HandlingDamage AssessmentPolicy EvaluationNegotiationReport PreparationAnalytical SkillsProblem SolvingTechnical Information InterpretationConstruction KnowledgeWater Mitigation Principles

Soft Skills

Effective CommunicationInterpersonal SkillsDetail-OrientedOrganizational SkillsEmotional Intelligence

Tools & Technologies

Mobile Office ToolsDesktop ToolsXactimateXactContents

Certifications & Qualifications

Valid Driver's LicenseRope and Harness Safety Training

Industry Keywords

Property InsuranceClaims AdjustmentHomeowners InsuranceCommercial Property InsuranceRisk Management

About the role

Key responsibilities & impact

Handle accident- and weather-related claims for homeowners, commercial properties, and large losses
Conduct on-site inspections and assessments of residential and commercial property damage
Meet with insureds as the first point of contact
Explain coverage and estimate damages
Collaborate with policyholders, insurance agents, and other involved parties
Interact professionally with parties expressing strong emotions or concerns
Provide exceptional customer service throughout the claims process
Gather evidence and document findings
Prepare detailed reports supporting claims handling
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 according to policy provisions, industry standards, and company guidelines
Work from a mobile office/vehicle for in-person appointments and complete virtual work from home
Travel outside the assigned area occasionally to assist other territories

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, and climb ladders
Ability to use appropriate equipment to traverse roofs at various heights and pitches
Ability to 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 similar
Preferred customer service experience
Preferred understanding of property insurance concepts and claim handling practices
Preferred baseline knowledge of residential and commercial construction and building materials
Preferred familiarity with water mitigation principles and inspection processes
Preferred working knowledge of Xactimate and XactContents
Ability and willingness to work flexible schedules, overtime, and/or irregular hours

Benefits

Comp & perks

Potential yearly incentive pay up to 15% of base salary
Annual raise and bonus
Health and wellbeing programs
State Farm pays most of healthcare premium
Multiple healthcare plan options, including a high deductible plan
100% coverage for in-network preventative care
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 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