Claim Specialist – Property Field Inspection

State Farm

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

Posted 11/2/2026full-timeRemote • Colorado • United StatesMid-LevelSenior💰 $63,090 - $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 emotional interactions. Proficient in using tools like Xactimate for accurate documentation and claims processing.

Highest-signal resume keywords

Property Damage InspectionClaims InvestigationCustomer Service ExperienceXactimate ProficiencyUnderstanding of Property Insurance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims AdjustmentPolicy EvaluationReport PreparationNegotiation SkillsAnalytical SkillsDetail OrientationKnowledge of Building ConstructionWater Mitigation PrinciplesRope and Harness Safety TrainingPhysical Agility

Soft Skills

Effective CommunicationInterpersonal SkillsProblem-SolvingEmotional IntelligenceOrganizational Skills

Tools & Technologies

Mobile Office ToolsDesktop ToolsXactContents

Certifications & Qualifications

Valid Driver’s LicenseCompletion of Required Training

Industry Keywords

Residential Property InsuranceCommercial Property InsuranceClaims ProcessRisk 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
Interact with parties who may express strong emotions or concerns about inspections or claim resolutions
Provide exceptional customer service and promptly 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 to determine claim validity and comply with local regulations
Negotiate and settle claims within authorized limits, policy provisions, industry standards, and company guidelines
Work from home and use a mobile office/vehicle for in-person appointments
Travel outside the assigned area occasionally to assist other territories
Complete virtual work from home and work flexible or irregular hours as business needs change

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 agility for walking, bending, reaching, kneeling, squatting, stooping, lifting, carrying, unfolding, and climbing 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; driving is an essential job function
Successful completion of required training, applicable proficiency and licensing exams, MVR checks, and background checks
Bachelor’s Degree in a related field such as Risk Management, Insurance, Business, Construction Management, or similar discipline (preferred)
Customer service experience
Understanding of property insurance concepts and general claim handling practices
Baseline knowledge of residential and commercial building construction and components/materials
Familiarity with water mitigation principles and inspection processes
Working knowledge of Xactimate and XactContents
Ability and willingness to work flexible schedules, overtime, and/or irregular hours
Competitive candidates should reside within one of the listed zip codes and service the same territory

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% coverage for in-network preventative care
Vision, dental, telemedicine, 24/7 mental health professionals
Educational benefits, industry-leading training programs, and tuition assistance
Employee resource groups and mentoring
Fertility/IVF/adoption assistance
College coaching and national discount programs
Interactive monthly financial workshops and free financial coaching
State Farm Federal Credit Union savings and financing options
Up to 20 days annually 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 a mobile office/vehicle