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Residential Insurance Inspector Jobs in O Fallon, MO

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Conduct property inspections and preventative maintenance * Ensure all work meets safety standards ... Health insurance * Paid time off and holidays * Company van (take home) * Specialty tools provided

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Residential Insurance Inspector information

See O Fallon, MO salary details

$51K

$63.1K

$73.9K

How much do residential insurance inspector jobs pay per year?

As of Aug 8, 2026, the average yearly pay for residential insurance inspector in O'Fallon, MO is $63,144.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,100.00 and $69,200.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a residential insurance inspector, and why are they important?

To thrive as a Residential Insurance Inspector, you need a solid understanding of property assessment, building codes, and insurance principles, typically supported by a high school diploma or relevant experience in insurance or construction. Proficiency with digital inspection tools, report-writing software, and sometimes certifications like Certified Insurance Inspector (CII) are commonly required. Detail orientation, strong communication, and time management are standout soft skills in this role. These skills ensure accurate property evaluations, effective risk analysis, and clear client interactions, which are critical for minimizing liability and supporting underwriting decisions.

What does a residential insurance inspector do?

Residential insurance inspectors work for insurance companies to ensure that all buildings meet safety and compliance standards. Inspectors have earned a certification that proves they have the knowledge and skills needed to check a home successfully. As a residential insurance inspector, your duties and responsibilities include going out to new constructions and ensuring that the building is up to code. You do a full walk-through of the home, taking a look at plumbing, electricity, roofs, and more. Once you have all the information on the house, you need to compare that to the standards set by the local laws to ensure that the building is safe.

What is the difference between Residential Insurance Inspector vs Property Inspector?

AspectResidential Insurance InspectorProperty Inspector
CertificationsInsurance-related certifications, such as adjusting or inspection licensesGeneral building or structural certifications, such as home inspection licenses
Work EnvironmentPrimarily inspecting residential properties for insurance claimsInspecting various property types for sale, purchase, or maintenance
Employer & IndustryInsurance companies, adjusting firms, or independent inspectorsReal estate agencies, home inspection companies, or private clients

While both roles involve property inspections, Residential Insurance Inspectors focus on assessing homes for insurance purposes, often requiring insurance-specific certifications. Property Inspectors typically evaluate homes for sale or maintenance without insurance-specific credentials. The roles overlap in inspecting residential properties but serve different industry needs.

How do you become a residential insurance inspector?

To become a residential insurance inspector, you typically need a high school diploma or equivalent, along with knowledge of construction and building codes. Many employers require relevant experience or certifications in property inspection, and some states or companies may require licensing or specific training. Strong attention to detail, good communication skills, and familiarity with inspection tools are also important.

What is a residential insurance inspector?

Residential Insurance Inspectors are professionals who assess homes and properties to determine their condition, safety, and risk factors for insurance purposes. They conduct on-site inspections, document features like roofing, plumbing, electrical systems, and look for hazards such as fire or water risks. Their findings help insurance companies decide coverage amounts, premiums, and whether a property qualifies for insurance. Inspectors may also provide recommendations to homeowners for reducing risks and improving safety. The job typically involves travel, attention to detail, and strong communication skills.

What are some common challenges faced by residential insurance inspectors in the field?

Residential Insurance Inspectors often encounter challenges such as accessing hard-to-reach property areas, coordinating with homeowners' schedules, and dealing with inclement weather during inspections. Additionally, they must accurately document and photograph property conditions while adhering to strict reporting standards and deadlines. Strong communication and time management skills are essential for overcoming these obstacles and ensuring thorough, timely inspections.
Infographic showing various Residential Insurance Inspector job openings in O'Fallon, MO as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 20% Part Time, and 5% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $63,144 per year, or $30.4 per hour.

Construction Inspector- Water Projects

Cochran

Pacific, MO

Full-time

Posted 17 days ago


Job description

About Us

Cochran is a growing civil engineering firm with 7 Missouri offices, offering services in construction administration, materials testing, architectural and geotechnical engineering, and land surveying. Serving both public and private sectors, Cochran's expertise spans municipal, commercial, residential, transportation, water/wastewater, site development, retail, planning, and interior design. With 120+ professionals, the firm delivers tailored solutions backed by deep expertise and is guided by core values of teamwork, excellence, quality, and trust—ensuring principal involvement and outstanding service throughout every project.

Cochran's Union, Missouri location is looking for a Civil Construction Inspector to join our team.

Position Summary

The Civil Construction Inspector will be responsible for observing, inspecting, and documenting construction activities for municipal water and wastewater infrastructure projects to ensure compliance with project plans, specifications, permits, and applicable regulations. This role serves as a key liaison between contractors, engineers, and municipal clients during construction.

Key Responsibilities

  • Inspect construction activities for municipal water and wastewater projects, including:
    • Water distribution and transmission mains
    • Sanitary sewer and force mains
    • Pump stations, lift stations, and related appurtenances
    • Manholes, valves, hydrants, services, and testing procedures
  • Verify construction work complies with approved plans, specifications, codes, and contract documents
  • Observe and document materials testing, pressure testing, leakage testing, disinfection, and commissioning activities
  • Maintain accurate daily inspection reports, pay quantity documentation, and photo records
  • Coordinate with contractors, project engineers, and municipal representatives to address field issues and resolve discrepancies
  • Identify potential constructability or quality concerns and communicate findings promptly to the project team
  • Monitor construction schedules and report progress and delays
  • Assist with preparation of pay applications, change documentation, and project closeout materials
  • Promote jobsite safety and report unsafe conditions

Required Qualifications

  • Minimum 3–5 years of construction inspection experience, with a strong focus on water and wastewater projects
  • Working knowledge of:
    • Municipal water and wastewater construction standards
    • Trenching, shoring, dewatering, and utility installation practices
    • Testing and inspection procedures for water and sewer systems
  • Ability to read and interpret construction plans, specifications, and shop drawings
  • Proficiency with Microsoft Office and electronic inspection/reporting tools
  • Valid driver's license and ability to travel to project sites

Preferred Certifications

  • NICET Certification (Level II or higher preferred)
  • ACI Concrete Field Testing Technician (Grade I)
  • State DOT or municipal construction inspection certifications
  • OSHA 10 or OSHA 30

Skills & Competencies

  • Strong attention to detail and documentation accuracy
  • Effective communication skills with contractors, engineers, and clients
  • Ability to work independently in the field while collaborating with a project team
  • Professional judgment in identifying issues and recommending solutions
  • Familiarity with municipal project environments and public works standards

Working Conditions

  • Primarily field-based with exposure to outdoor weather conditions and active construction sites
  • Ability to stand, walk, and traverse uneven terrain for extended periods
  • Occasional evening or early morning hours to support construction schedules

Benefits

  • Competitive salary and performance-based bonuses
  • 100% company paid Medical, Dental, Vision, Life, and Long-Term Disability insurance for employees, plus company deductible assistance
  • 401(k) with 4% company match
  • Generous PTO plan and 7 major holidays
  • Continuing education and professional development support