Claim Specialist - Property Field Inspection

State Farm • Boulder, CO

3d • Remote

About The Position

State Farm is hiring an experienced Property Field Inspection Claim Specialist to investigate and adjust accident- and weather-related property claims involving homeowners, commercial properties, and large losses. The specialist is a first point of contact for insureds, explaining coverage, estimating damage, and guiding customers through the claims process while providing customer-focused service. The role uses technology alongside professional judgment and expertise to support policyholders.

This remote-field position is based in Boulder, Colorado. The employee works from home and uses a mobile office or vehicle for in-person appointments, primarily within an assigned territory. Virtual work may also be completed from home, and occasional travel outside the territory may be required to assist elsewhere. The assigned territory serves zip codes 80007, 80021, 80025, 80026, 80027, 80301, 80302, 80303, 80304, 80305, and 80309. Hours may change based on business needs; employees must be able to work flexible schedules and may be asked to work overtime or irregular hours. Compensation is based on a 38-hour, 45-minute work week. The expected starting salary range is $69,398.62–$99,000 annually, based on skills, background, and experience, with the top of the range limited to applicants with significant relevant experience. Potential yearly incentive pay is up to 15% of base salary.

Employees must successfully complete required training, applicable proficiency and licensing exams, and required motor vehicle record and background checks. State Farm may also request additional pre-employment assessments.

Requirements

• 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 learn unfamiliar concepts, processes, and terminology quickly and apply them in practical situations.
• Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward.
• Effective communication and interpersonal skills, including the ability to handle difficult or emotional conversations with a customer-minded focus.
• Strong attention to detail, organizational skills, and analytical skills.
• Proficiency with mobile and desktop tools for documenting and supporting claims in the field and remotely.
• Physical ability to walk, bend, reach, kneel, squat, stoop, lift and carry frequently, unfold equipment, climb ladders, traverse roofs of varying heights and pitches using appropriate safety equipment, and crawl in tight spaces.
• May be required to complete Rope and Harness Safety Training.
• Valid driver’s license; driving is an essential job function. A motor vehicle record will be requested as part of the pre-employment background check.
• Ability and willingness to work flexible schedules and potentially overtime or irregular hours.
• Successful completion of required training, applicable proficiency and licensing exams, and required background and motor vehicle record checks.

Nice To Haves

• Bachelor’s degree in a related field such as Risk Management, Insurance, Business, or Construction Management.
• Customer service experience, including assisting customers, handling inquiries and concerns professionally, and communicating clearly and empathetically.
• Understanding of property insurance concepts, including coverage fundamentals and general claim handling practices.
• Baseline knowledge of residential and commercial building construction and building components or materials.
• Familiarity with water mitigation principles and inspection processes.
• Working knowledge of Xactimate and XactContents.

Responsibilities

• Conduct on-site inspections and assess damage for residential and commercial property claims.
• Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently.
• Interact professionally with people who may express strong emotions or concerns about inspections or claim resolutions.
• Provide customer service throughout the claims process and promptly address inquiries and concerns.
• Gather evidence, document findings, and prepare detailed reports to support claims handling.
• Investigate and adjust personal and commercial property claims with exposures up to $500,000.
• Evaluate coverage and policy terms to determine claim validity and ensure compliance with local regulations.
• Negotiate and settle claims within authorized limits, taking account of policy provisions, industry standards, and company guidelines.
• Travel outside the assigned territory on occasion to assist in other territories.
• Complete required training, proficiency and licensing exams, and applicable screening checks.

Benefits

• Competitive pay, annual raises, and bonus eligibility; potential yearly incentive pay up to 15% of base salary.
• Health and wellbeing programs, with State Farm paying most of the healthcare premium and offering multiple medical plan options.
• Vision, dental, telemedicine, and access to 24/7 mental health professionals.
• Educational benefits, industry-leading training, tuition assistance, employee resource groups, and mentoring.
• Fertility, IVF, and adoption assistance; college coaching; national discount programs; financial workshops and coaching.
• Time-off policies, initially up to 20 days annually, parental leave, paid holidays, a celebration day, 40 hours of life leave annually, bereavement leave, and community service or education support days.
• Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
• Free financial advisors for retirement planning and a 401(k) plan with company contributions of up to 7% of salary.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed