Claim Specialist - Property Field Inspection

Location US-CO-Durango

Job Category Claims and Investigation

Position Type Regular Full Time

Req ID 42295

Overview

Being good neighbors – helping people, investing in our communities, and making the world a better place – is who we are at State Farm. It is at the core of how we operate and the reason for our success. Come join a #1 team and do some good!

Responsibilities

Join our team as a Property Field Inspection Claim Specialist and showcase your expertise in handling accident and weather-related claims for homeowners, commercial properties, and large losses.

We are looking for an experienced and highly skilled professional to contribute to our dynamic team. You will be the first point of contact to meet with our insureds, explain coverage, estimate damages, and help them through the claims process while providing Remarkable service.

Key Responsibilities :

Conduct on-site inspections and assessments of property damages for both residential and commercial claims

Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently

May occasionally require interacting with parties who express strong emotions or concerns about ongoing inspections or claim resolutions

Provide exceptional customer service throughout the claims process, addressing inquiries and concerns promptly and professionally

Gather necessary evidence, document findings, and prepare detailed reports to support the claims handling process

Investigate and adjust both personal and commercial property claims with exposures up to $500,000

Evaluate coverage and policy terms to determine the validity of claims and ensure compliance with local regulations

Negotiate and settle claims within the authorized limits, considering policy provisions, industry standards, and company guidelines

Where you'll work : This position is located in Durango, CO. Competitive candidates should reside within one of the listed zip codes and will service this same territory : 81121 81122 81130 81137 81147 81301 81303 81320 81321 81323 81324 81325 81326 81327 81328 81330 81331 81332 81334 81335 81433

This is a Remote-Field position in which you will work from home and utilize a mobile office / vehicle for in-person appointments. Although the primary work location is in the field, with a commutable distance from home, there will be opportunities for virtual work to be completed at home. Additionally, there may be occasions where you will be required to travel outside your assigned area to assist in other territories.

Hours of operation are continually evaluated and may change based on business need. Successful candidates are able and willing to work flexible schedules and may be asked to work overtime and / or irregular hours.

Qualifications

Competitive candidates must demonstrate :

Experience as a Property Field Inspection Claim Specialist in the insurance industry, specifically in property claims

Strong knowledge of property insurance policies, coverage and claim handling practices

Knowledge of both residential and commercial building construction

Familiarity with local regulations and compliance requirements in your assigned territory

Excellent communication and interpersonal skills to effectively interact with clients, agents, and other stakeholders

Proven effective communication skills to handle difficult / emotional conversations with a customer-minded focus

Proven ability to assess damages, estimate repair costs, and negotiate settlements

Detail-oriented with strong organizational and analytical skills

Proficient in using claims management software and other relevant tools

Physical agility to allow for : frequent lifting, carrying and climbing a ladder; ability to navigate roofs at various heights for inspection of both residential and commercial structures; ability to crawl in tight spaces

May be required to complete Rope and Harness Safety Training.

A valid driver's license is required

Preferred :

Bachelor's Degree in a related field or equivalent work experience

Experience in handling complex or high-value claims

Construction background

Water mitigation inspection experience

Xactimate, XactContents

Additional Details :

Employees must successfully complete all required training, including applicable licensing exam(s) and background checks required of various state(s).

State Farm recently implemented new pre-employment assessments. Candidates that have previously taken an assessment may be asked to participate in additional testing

Our Benefits

Because work-life balance is a priority at State Farm, compensation is based on our standard 38 : 45-hour work week!

Potential starting salary range : $59,059.65 - $90,000.00

Starting salary will be based on skills, background, and experience

High end of the range limited to applicants with significant relevant experience

Potential yearly incentive pay up to 15% of base salary

At State Farm, we offer more than just a paycheck. Check out our suite of benefits designed to give you the flexibility you need to take care of you and your family!

Get Paid! On top of our competitive pay, you are eligible for an annual raise and bonus.

Stay Well! Focus on you and your family’s health with our robust health and wellbeing programs. State Farm pays most of your healthcare premium, and we offer multiple healthcare plan options, including a high deductible plan. All medical plans provide 100% coverage for in-network preventative care, AND you and your family have access to vision, dental, telemedicine, 24 / 7 mental health professionals, and much more!

Develop and Grow! Take advantage of educational benefits like industry leading training programs, top-notch tuition assistance programs, employee resource groups, and mentoring.

Plan Ahead! Plan for those big moments in life with benefits like fertility / IVF / adoption assistance, college coaching, national discount programs, interactive monthly financial workshops, free financial coaching, and more. You can also start a savings account or consider financing through our State Farm Federal Credit Union!

Take a Little “You” Time! You will have access to our generous time off policies designed so you can plan around holidays, family events, volunteering, or just to take a relaxing day off. With the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours / year), bereavement leave, and community service / education support days, there will be plenty of time for you!

Give Back! We offer several ways to give back through our Matching Gift Program, Good Neighbor Grant Program, and the Employee Assistance Fund.

Finish Strong! Plan for retirement using free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.

Competitive Benefits, including :

401k Plan

Health Insurance

Dental / Vision plans

Life Insurance

Paid Time Off

Annual Merit Increases

Tuition Reimbursement

Health Initiatives

For more details visit our Benefits Summary page.

Application deadline is expected to close on 10 / 21 / 2025. Applicant volume and hiring needs may result in early closure or extension beyond the listed deadline. To submit an application, click "Apply" on the job listing page on the State Farm career site.

Visit our State Farm Careers page for more information on our benefits, locations, and the hiring process of joining the State Farm team!

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