Field Property Claims Representative II

Indiana Farmers Insurance; Indiana (PA); Hybrid; USD 70,000 - 80,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401k match

Parental leave

Day of Service

Educational Incentive Program

Employee assistance program

Job summary

Indiana Farmers Insurance seeks a Field Property Claims Representative II to investigate and resolve moderately complex farm, personal, and commercial property claims in the Southwest Indiana territory. This field-based role combines on-site inspections with detailed documentation, sound coverage decisions, and a focus on a caring member experience.

You will travel within the territory, coordinate with agents and vendors, review reserves, issue payments, and use approved tech tools to support

Qualifications

• At least 3 years of property claims experience.
• Experience handling personal, commercial, and farm property claims.
• Strong knowledge of insurance concepts, policy provisions, endorsements, and coverage interpretation.
• Ability to inspect structural losses and access roofs, crawl spaces, and other locations safely.
• Valid driver’s license and acceptable motor vehicle record.

Responsibilities

• Investigate property losses through on-site and off-site inspections to determine coverage and damages.
• Handle claims from first notice through settlement, including reserves and payments within authority.
• Inspect and estimate losses across personal, commercial, and farm property types.
• Communicate clearly with members, claimants, agents, vendors, and partners by phone, email, or in person.
• Manage claim vendors and experts, control claim expenses, and pursue subrogation when appropriate.
• Review pending claims and move files toward resolution while referring issues outside authority.

Skills

Analytical thinking

Negotiation

Communication

Time management

Independent work

Education

Bachelor's degree

Insurance designations (CPCU, AIC, SCLA)

Tools

Xactimate

Estimating software

Job description

Why this role matters

When a member experiences a loss, the quality of the claims response matters. As a Field Property Claims Representative II, you will investigate and resolve moderately complex to complex personal, commercial, and farm property claims while helping members understand what to expect and what comes next. Your work will combine sound coverage decisions, accurate evaluation, practical problem-solving, and a caring member experience.

What you will do

• Investigate property losses through on-site and off-site inspections to determine coverage, liability, damages, and appropriate resolution.
• Handle claims from first notice through settlement, including reviewing claim setup, assessing coverage, establishing and adjusting reserves, documenting activity, and issuing payments within established authority.
• Inspect, evaluate, and estimate structural property losses across personal, commercial, and farm property types, including roofs, basements, crawl spaces, agricultural structures, equipment, and other loss locations as needed.
• Communicate clearly and promptly with members, claimants, agents, vendors, and other partners by phone, text, email, writing, and in person; explain decisions and manage expectations through difficult conversations.
• Manage claim vendors and experts, control claim expenses, and pursue subrogation and salvage opportunities when appropriate.
• Review pending claims and take timely action to move files toward resolution; identify issues outside authority and refer them appropriately.
• Recognize and refer potentially fraudulent claims for further investigation and communicate claim or account trends to Claims and Underwriting leaders.
• Serve as an agency liaison for the assigned territory, support other claims professionals, and participate in after-business-hours on-call rotation when needed.
• Prepare reports, maintain complete claim files, stay current on industry trends and applicable law, and assist with mediations, depositions, or litigation as needed.
• Use approved technology and AI-enabled tools thoughtfully to support documentation, analysis, and efficiency while applying sound professional judgment.

How you will contribute

You will be successful by making fair, timely, and well-supported claim decisions; following work through to completion; communicating in a way members and agency partners can understand; and building trust through every interaction. This role requires someone who can work independently in the field while staying connected to the Claims Team and keeping sight of the member and business impact.

Requirements

What you will bring

• A minimum of 3 years of relevant property claims experience, preferably with an insurance carrier, or an equivalent combination of education, training, and experience.
• Experience investigating, evaluating, negotiating, and resolving personal, commercial, and farm property claims.
• Strong knowledge of insurance concepts, policy provisions, endorsements, and coverage interpretation.
• Experience inspecting structural losses and safely accessing roofs, basements, crawl spaces, and other loss locations; ability to carry ladders weighing up to 35 pounds and work in changing weather conditions.
• Strong analytical, investigative, problem-solving, decision-making, negotiation, organization, listening, and relationship-building skills.
• A customer-focused communication style and the ability to work independently, manage time effectively, and handle difficult situations with professionalism and care.
• Working knowledge of Xactimate or similar estimating software is preferred.
• Farm property, agricultural structure, equipment, and farm exposure experience is preferred.
• A college degree and insurance designations such as CPCU, AIC, SCLA, or another relevant credential are preferred.
• A valid driver’s license and an acceptable motor vehicle record.

Department: Claims

Reports to: Claims Manager

Work environment: This is a field-based role responsible for the Southwest Indiana territory with a remote work environment for administrative work; regular travel throughout the assigned territory is required.

Additional considerations: This position requires driving, property inspections, climbing ladders, accessing crawl spaces, and working in changing weather conditions. Participation in an after-business-hours on-call rotation may be required.

Compensation

Anticipated Hiring Range: $70,000 –$80,000 annually

This is the expected hiring range for the position. Actual starting salary may vary based on qualifications, experience, internal equity, and market factors. The range may not reflect the position’s full salary range or future earning potential. Eligible positions may also include bonus or incentive compensation and the benefits described below.

• Free Health insurance (Associate Only)
• Free Dental insurance (Associate Only)
• Free Vision insurance (Associate Only)
• Free Life insurance
• Free Short-Term & Long-Term Disability insurance
• 2% 401k Company Match
• 11% 401k Company Contribution
• Generous paid time for Parental Leave
• Day of Service
• We promote from within our widely talented workforce regularly and consistently offer opportunities to learn and grow
• Student Loan Assistance Program
• Educational Incentive Program
• Employee Assistance Programs for you and your family
• Matching funds of up to $100 annually are available from the company for your favorite charitable organization
• Associate recognition awards, fun gatherings, and opportunities to make friends are part of our culture

Indiana Farmers Insurance is an equal opportunity employer. Employment decisions are made without regard to legally protected status.