Property Claims Representative II (Inside)

Indiana Farmers Insurance; Indiana (PA); Hybrid; USD 52,000 - 76,000; Full time

Benefits offered by this job

Free Health insurance

Free Dental insurance

Free Vision insurance

Free Life insurance

Disability insurance

401k Company Match

Generous Parental Leave

Educational Incentive Program

Employee Assistance Programs

Job summary

Indiana Farmers Insurance is seeking an Inside Property Claims Representative II to investigate and resolve moderately complex property claims, including personal, commercial, and farm exposures. You will interpret policy coverage, evaluate damages, and communicate clearly with members and partners to manage expectations.

The role supports a flexible work arrangement—remote, hybrid, or onsite—and offers the chance to advance within a values-driven claims team focused on fair, timely decisions

Qualifications

• 3–5 years of property claims experience.
• Experience investigating, evaluating, negotiating, and resolving property claims.
• Ability to interpret third-party inspection documentation and develop accurate repair estimates using Xactimate.
• Strong knowledge of insurance concepts and coverage interpretation.
• Excellent communication and negotiation skills.
• Proficiency working independently and managing time.
• Farm property exposure experience preferred.
• Xactimate or similar estimating software preferred.

Responsibilities

• Investigate property losses with adjusters and inspections to determine coverage and resolution.
• Handle claims from first notice to settlement with reserve management and payments.
• Review third-party reports and prepare accurate estimates.
• Communicate clearly with members, agents, and vendors.
• Support claims team and participate in after-hours on-call rotation.
• Prepare reports and stay current on trends and applicable law.

Skills

Property claims experience

Analytical skills

Customer-focused communication

Negotiation

Time management

Independent work

Education

Bachelor's degree or equivalent

Industry designations (CPCU/AIC/SCLA)

Tools

Xactimate

Job description

All Jobs > Property Claims Representative II (Inside)

Property Claims Representative II (Inside) IN

You can learn a lot about a company by how people treat one another. Indiana Farmers Insurance is a mutual insurance company with a long history of serving members, working with independent agency partners, and supporting our communities. Our ICARE values of Innovation, Collaboration, Accountability, Respect, and Empowerment guide how we work every day. You will join knowledgeable, caring colleagues who share ideas, solve problems together, take responsibility for results, and help one another succeed. Come build your career in a culture that cares about the work we accomplish, the people we serve, and how we treat each other along the way.

Why this role matters

When a member experiences a loss, the quality of the claims response matters. As an Inside 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 partnership with Independent Adjusters 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.
• Work with Independent Adjusters to Inspect, evaluate, and estimate structural property losses across personal, commercial, and farm property types.
• Review and interpret third-party field inspection reports, photographs, measurements, diagrams, and preliminary scope information to prepare accurate property damage estimates in Xactimate.
• 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.
• 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.

Requirements

What you will bring

• Three to five 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.
• Demonstrated ability to interpret third-party property inspection documentation and independently develop accurate repair estimates using Xactimate.
• Strong knowledge of insurance concepts, policy provisions, endorsements, and coverage interpretation.
• 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.

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 while staying connected to the Claims Team and keeping sight of the member and business impact.

Department: Claims

Reports to: Claims Manager

Work Location Flexibility: This position may be remote, hybrid, or onsite. Indiana Farmers Insurance supports flexible work arrangements that help our associates thrive and serve our members well.

Additional considerations: Participation in an after-business-hours on-call rotation may be required.

• 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.