Field Property Claims Adjuster: Fredericksburg, VA

Farmers Insurance; Stafford (VA); Hybrid; USD 36,000 - 61,000; Full time

Benefits offered by this job

401(k)

Medical

Dental

Vision

Health Savings and Flexible Spending

Life Insurance

Paid Time Off

Paid Parental Leave

Tuition Assistance

Job summary

Farmers Insurance in Virginia's Stafford area seeks a Field Property Claims Adjuster to investigate property damage, determine liability, and write loss estimates. This role combines on-site visits with virtual work, supported by claims software, a company vehicle, and a laptop.

Candidates should have a High School diploma, excellent customer service, strong communication skills, and the ability to work independently.

Qualifications

• High School diploma or equivalent.
• Excellent customer service experience, preferably in a retail environment.
• Construction or Insurance experience is highly desirable and preferred.
• Excellent communication skills – both oral and written.
• Computer literate: MS Word, Excel, Outlook.
• Proficiency with smartphones and applications.
• Eagerness to learn about insurance policies and property damage from the inside out.
• Outgoing personality that would enjoy interacting with a wide variety of people.

Responsibilities

• Conduct virtual and on-site investigations to assess property damage, determine liability, evaluate the extent of loss, and negotiate fair settlements.
• Use claims handling software, a company car, and a laptop to determine claims‑related damage and write estimates.
• Evaluate and report on potential subrogation opportunities.
• Reports incidents involving theft, fraud, or arson to appropriate state and industry agencies.
• Perform duties independently, with work directly impacting management outcomes.
• Engages regularly with policyholders, claimants, agents, witnesses, contractors, law enforcement, and other parties.

Skills

Customer service

Communication

People skills

Computer literacy

English proficiency

Education

High School diploma

Tools

MS Word

Excel

Outlook

Smartphones

Job description

We are Farmers – where ambition meets opportunity.

At Farmers, we’re not just known for unforgettable jingle – we’re a team with a passion for purpose and making a real difference in people’s lives. We deliver peace of mind when it matters most. Our results-driven, high-performance culture thrives on creativity, accountability and bold solutions. Here, growth isn’t just a goal – it’s a way of life for both the organization and every individual on our team. We tackle challenges head‑on, learn from every experience and measure our impact on the customers who trust us.

Join an award-winning, equal opportunity employer, where you’ll find more than a job – you’ll find a supportive community. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do.

Workplace: Remote ( )

Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office. Applicants beyond fifty (50) miles may still be considered.

If you are looking for the following in your next career...

• Paid training through the award-winning and industry-leading University of Farmers.
• Flexibility and independence to work outside the confines of a desk job.
• Total Rewards Benefits Package: 401K and a competitive starting salary.
• Rapid growth potential and management opportunities for success-oriented people through education, mentorship programs, and inspirational leadership at a company you can be proud of.

… Then Farmers Insurance is the place for you!

A Day in the Life of a Field Property Claims Adjuster

• Conduct both virtual and on‑site investigations by visiting policyholders’ residences to assess propertydamage, determine liability, evaluate the extent of loss, and negotiate fair settlements.
• Use claims handling software, a company car, and a laptop to determine claims‑related damage and write estimates in a paperless environment.
• Evaluate and report on potential subrogation opportunities.
• Reports incidents involving theft, fraud, or arson to appropriate state and industry agencies.
• Perform duties independently, with work directly impacting management outcomes.
• Acts as a company representative in public interactions, maintaining a professional demeanor consistentwith management standards.
• Engages regularly with a variety of stakeholders, including policyholders, claimants, agents, witnesses, contractors, law enforcement, fraud and arson investigators, attorneys, medical professionals, and otherrelevant parties.
• Use strong customer service skills to negotiate with policyholders to settle the claim.
• Performs additional duties as assigned.
• Promotes safety at all times and complies with safety/ergonomicstandards as outlined in relevant company published manuals.

Employees assigned to the Catastrophe team will be required to travel away from their residence for a specified period of time, usually consisting of 23 days.

• Although this is not a CAT‑specific role, hires will be expected to commit to 1–3 CAT deployments per year.

If You Have The Following

• High School diploma or equivalent required.
• Excellent Customer service experience, preferably in a retail environment
• Construction or Insurance experience is highly desirable and preferred.
• Excellent communication skills – both oral and written.
• Computer Literate: MS Word, Excel, Outlook.
• Proficiency with smartphones and applications.
• Eagerness to learn about insurance policies and property damage from the inside out to identify how coverage applies to a particular loss.
• Outgoing personality that would enjoy interacting with a wide variety of people including policyholders, claimants, agents, witnesses, and fraud investigators.
• Valid driver’s license and Bondable. Final candidates will also be subject to a Motor Vehicle Record background check as this position may include a company vehicle.
• then this could be a great career opportunity for you!

Candidates Must Be Willing And Able To

• Climb Ladders to inspect roofs, and be comfortable working on rooftops, multiple times per day,
• Work in small, confined spaces that have been damaged; such as attics and crawlspaces.
• Achieve a minimum passing score on all claims training exams.

Physical Actions and Environment

• Bending, Kneeling, Pulling, Pushing, Sorting, Carrying up to 50 lbs., Climbing, Reaching, Standing, Walking, Seeing
• Speaking (English), Reading (English), Writing (English), & Key Entering

Required job duties are performed in the field and an in‑home office environment. Exposure to some or all of the following environments when in the field: Uncontrolled outside environmental conditions, Excessive noise levels, Chemicals Chemical/Biological conditions, Moving mechanical parts, Areas considered dangerous, Conditions which could affect the respiratory system or skin such as fumes, odors, dust, mists, gases, oils, smoke, soot, or poor ventilation.

Benefits

• Farmers offers a competitive salary commensurate with experience, qualifications and location.
• o VA: $26.00 - $43.58
• Bonus Opportunity (based on Company and Individual Performance)
• 401(k)
• Medical
• Dental
• Vision
• Health Savings and Flexible Spending Accounts
• Life Insurance
• Paid Time Off
• Paid Parental Leave
• Tuition Assistance
• For more information, review “What we offer” on https://www.farmers.com/careers/corporate/#offer

Job Location(s): US - VA - Stafford, US - VA

Farmers will consider for employment all qualified applicants, including those with criminal histories, in accordance with the Los Angeles Fair Chance Initiative for Hiring Ordinance or other applicable law. Pursuant to 18 U.S.C. Section 1033, Farmers is prohibited from employing any individual who has been convicted of any criminal felony involving dishonesty or a breach of trust without prior written consent from the state Department of Insurance.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Farmers is an Equal Opportunity Employer and does not discriminate in any employer/employee relations based on race, color, religion, gender, sexual orientation, gender expression, genetic information, national origin, age, disability, marital status, military and veteran's status, or any other basis protected by applicable discrimination laws.