Claim Specialist - Property Field Inspection

State Farm•Arvada, CO

3d•Remote

About The Position

State Farm is hiring a Property Field Inspection Claim Specialist to handle accident- and weather-related property claims involving homeowners, commercial properties, and large losses. The specialist meets with insureds, explains coverage, estimates damage, and guides customers through the claims process while delivering customer-focused service. The role uses technology alongside professional judgment and empathy to support policyholders. The position is based in the Thornton/North Denver, Colorado territory. The employee works remotely from home and uses a mobile office or vehicle for in-person field appointments, with some work completed virtually from home. Candidates should reside within one of the listed ZIP codes and service that territory. Occasional travel outside the assigned territory may be required. Work schedules are flexible and may include overtime or irregular hours based on business needs. Claims handled may have exposures up to $500,000. The role involves field inspections of residential and commercial structures, evaluation of policy coverage, investigation and documentation, and negotiation and settlement of claims within authorized limits. The job has substantial physical demands, including roof inspections and access to tight spaces. Successful candidates must complete required training, applicable proficiency and licensing exams, and required background and motor vehicle checks.

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 to real-world situations.
Ability to quickly learn unfamiliar concepts, processes, and terminology and apply that knowledge accurately.
Ability to interact effectively with policyholders, agents, and other stakeholders to move claims forward efficiently.
Effective communication and interpersonal skills for difficult or emotional conversations, with a customer-minded focus.
Detail orientation and strong organizational and analytical skills.
Proficiency using mobile and desktop tools to document and support claims in the field and remotely.
Physical ability to walk, bend, reach, kneel, squat, stoop, lift and carry items frequently, unfold equipment, climb ladders, traverse roofs at varying heights and pitches using appropriate safety equipment, and crawl in tight spaces.
Valid driver’s license; driving is an essential function. A motor vehicle record check is part of the pre-employment process.
Successful completion of required training, applicable proficiency and licensing exams, and required motor vehicle record and background checks.
Willingness and ability to work flexible schedules and, as needed, overtime or irregular hours.

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 or 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.
May be required to complete Rope and Harness Safety Training.

Responsibilities

Conduct on-site inspections and assess property damage for residential and commercial claims.
Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently.
Provide customer service throughout the claims process and promptly address inquiries and concerns, including during difficult or emotional conversations.
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, considering policy provisions, industry standards, and company guidelines.
Explain coverage, estimate damages, and guide insureds through the claims process.
Travel outside the assigned territory on occasion to assist other territories.

Benefits

Annual raise and bonus; 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 insurance.
Dental insurance.
Telemedicine and access to 24/7 mental health professionals.
Educational benefits, including training programs and tuition assistance.
Fertility, IVF, and adoption assistance.
National discount programs.
Paid time off, initially up to 20 days annually, plus parental leave, paid holidays, a celebration day, life leave, bereavement leave, and community service or education support days.
Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
401(k) plan with company contributions of up to 7% of salary.
Free financial advisors and financial coaching.