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Insurance Claims Inspector information

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$40K

$61.6K

$92K

How much do insurance claims inspector jobs pay per year?

As of Jul 17, 2026, the average yearly pay for insurance claims inspector in the United States is $61,600.00, according to ZipRecruiter salary data. Most workers in this role earn between $54,000.00 and $65,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as an Insurance Claims Inspector, and why are they important?

To thrive as an Insurance Claims Inspector, you need strong analytical skills, attention to detail, and a background in insurance or a related field—often supported by relevant certifications or coursework. Familiarity with claims management software, digital inspection tools, and industry regulations is typically required. Excellent communication, negotiation, and investigative abilities help inspectors gather accurate information and resolve disputes effectively. These skills are essential for ensuring fair claim assessments, minimizing fraud, and maintaining trust between insurers and clients.

What are some common challenges faced by Insurance Claims Inspectors during on-site assessments?

Insurance Claims Inspectors often encounter challenges such as accurately assessing damage in unpredictable environments, dealing with uncooperative policyholders, and balancing a high volume of claims, especially after major events like storms. Inspectors must also ensure their reports are thorough and objective, which requires strong attention to detail and effective communication with both clients and colleagues. Adapting to new technologies for claim documentation and staying current with industry regulations are also ongoing aspects of the role.

What does an Insurance Claims Inspector do?

An Insurance Claims Inspector is responsible for investigating insurance claims to determine the extent of an insurance company's liability. They review documentation, inspect property or vehicles, interview claimants and witnesses, and assess damage or loss. Their goal is to ensure that claims are valid and to help prevent fraud, while making fair and accurate assessments for payouts. They often work for insurance companies but may also be independent adjusters.

What is the difference between Insurance Claims Inspector vs Insurance Adjuster?

AspectInsurance Claims InspectorInsurance Adjuster
Required CredentialsHigh school diploma or equivalent; certifications like CPCU or AIC beneficialHigh school diploma; often requires adjuster licenses and certifications
Work EnvironmentField inspections at claim sites, offices, or homesOffice-based with site visits; may travel extensively
Employer & Industry UsageInsurance companies, third-party inspection firmsInsurance companies, independent adjusting firms
Common Search & ComparisonInsurance Claims Inspector vs Insurance Adjuster

Insurance Claims Inspectors primarily evaluate damage through on-site inspections, focusing on verifying claims. Insurance Adjusters handle a broader scope, including assessing damages, negotiating settlements, and managing claims processes. Both roles require similar certifications and often work in the same industry, but their responsibilities and work environments differ slightly.

More about Insurance Claims Inspector jobs
What cities are hiring for Insurance Claims Inspector jobs? Cities with the most Insurance Claims Inspector job openings:
What states have the most Insurance Claims Inspector jobs? States with the most job openings for Insurance Claims Inspector jobs include:
What job categories do people searching Insurance Claims Inspector jobs look for? The top searched job categories for Insurance Claims Inspector jobs are:
Insurance Claims Inspector jobs near you
Infographic showing various Insurance Claims Inspector job openings in the United States as of July 2026, with employment types broken down into 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution, with an average salary of $61,600 per year, or $29.6 per hour.

Insurance Claims Specialist

Selene Holdings

Dallas, TX • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 26 days ago

Job description

Selene Holdings is a multiple-lines business financial services firm with a mortgage servicing company, a loan diligence company, a title company, an insurance brokerage, and a real estate owned company. We have office locations in Dallas, TX, Jacksonville, FL, and Salt Lake City, UT. Founded in 2007 to address needs in the mortgage industry, Selene strives to provide amazing client and borrower experiences. A positive attitude coupled with proven creative thinking and actions are all attributes we seek in every one of our employees. If you want to make a difference, then Selene is the place for you!
The Hazard Claims Review Specialist is responsible for reviewing residential property damage claims to ensure claim payments accurately align with documented damages, policy coverage, adjuster findings, and repair estimates. This role analyzes damage reports, adjuster inspections, contractor estimates, and claim settlements to identify discrepancies, overpayments, underpayments, or potential compliance issues. The specialist develops tracking and reporting tools, collaborates with internal stakeholders and third-party vendors, and supports quality assurance efforts across the hazard claims process.
Key Responsibilities
Claims Review and Analysis
  • Review residential property damage reports, adjuster reports, inspection findings, photographs, and repair estimates.
  • Validate that claim payments are consistent with documented damages and approved scope of repairs.
  • Compare adjuster assessments against contractor estimates and settlement amounts.
  • Identify discrepancies, payment variances, duplicate charges, scope inconsistencies, and potential overpayments or underpayments.
  • Ensure claims are processed in accordance with company guidelines, investor requirements, and applicable regulations.
  • Escalate questionable claims, exceptions, or potential fraud indicators to management and appropriate stakeholders.

Claims Quality Control
  • Perform detailed quality assurance reviews of completed claims files.
  • Verify supporting documentation is complete, accurate, and properly retained.
  • Monitor claim trends, recurring issues, and process deficiencies.
  • Recommend process improvements to enhance claim accuracy and operational efficiency.
  • Support internal and external audit requests related to hazard claims activities.

Reporting and Analytics
  • Develop, maintain, and distribute claim tracking reports and dashboards.
  • Monitor claim lifecycle metrics, payment trends, vendor performance, and exception reporting.
  • Analyze claim data to identify operational risks and opportunities for process improvement.
  • Prepare management reports summarizing claim review outcomes, payment accuracy, and performance metrics.
  • Utilize Excel, reporting tools, and claims systems to track key performance indicators (KPIs).

Vendor Management
  • Coordinate with adjusters, inspectors, contractors, restoration companies, and other third-party vendors.
  • Review vendor estimates and supporting documentation for reasonableness and accuracy.
  • Monitor vendor performance against service-level agreements and quality standards.
  • Resolve documentation deficiencies and payment-related discrepancies with vendors.
  • Facilitate communication between vendors and internal business units to ensure timely claim resolution.

Stakeholder Collaboration
  • Partner with Claims, Loss Draft, Risk Management, Loan Servicing, Quality Assurance, and Compliance teams.
  • Communicate claim review findings and recommendations to management.
  • Support process improvement initiatives and special projects.
  • Assist with training efforts related to claim review standards and best practices.

Qualifications
Education
  • Bachelor's degree in Business, Insurance, Risk Management, Finance, Construction Management, or related field preferred.
  • Equivalent combination of education and experience may be considered.

Experience
  • 3+ years of experience in property insurance claims, hazard claims, loss draft administration, property inspection review, mortgage servicing, or related field.
  • Experience reviewing residential property damage assessments and insurance claim settlements.
  • Familiarity with adjuster reports, repair estimates, contractor bids, and property restoration processes.

Knowledge and Skills
  • Strong understanding of residential property insurance claims and damage assessment.
  • Knowledge of roofing, structural, water, fire, wind, hail, and disaster-related property damages.
  • Ability to analyze claim documentation and identify inconsistencies.
  • Advanced proficiency in Microsoft Excel, including pivot tables, reporting, and data analysis.
  • Strong analytical, problem-solving, and decision-making skills.
  • Excellent written and verbal communication skills.
  • Experience with claims management systems and reporting platforms preferred.
  • Ability to manage multiple priorities in a fast-paced environment.

Preferred Qualifications
  • Property and Casualty (P&C) insurance experience.
  • Adjuster license or insurance certification preferred.
  • Experience in mortgage servicing, loss draft administration, or investor claims oversight.
  • Knowledge of Xactimate or similar estimating software.
  • Experience with vendor management and performance monitoring.

Key Performance Indicators (KPIs)
  • Claims review accuracy rate.
  • Percentage of payment variances identified and resolved.
  • Turnaround time for claim reviews.
  • Vendor compliance and performance metrics.
  • Reporting accuracy and timeliness.
  • Reduction in claim payment errors and exceptions.
  • Audit and quality assurance results.
Why Selene?
Benefits
Selene Finance LP is committed to the total wellbeing of its employees and therefore offers one of the best benefits packages available in the industry today, which includes:
  • Paid Time Off (PTO)
  • Medical, Dental &Vision
  • Employee Assistance Program
  • Flexible Spending Account
  • Health Savings Account
  • Paid Holidays
  • Company paid Life Insurance
  • Matching 401(k) Plan

The job requirements listed above are representative of the knowledge, skills, and/or abilities required. This job description is not an inclusive list of all duties and responsibilities of this position. Incumbents will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. Selene reserves the right to amend and change responsibilities to meet business and organizational needs.
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