Remote Field Property Claims Investigator

Desmet Farm Mutual Insur Co; Watertown (SD); On-site; USD 52,000 - 78,000; Full time

Job summary

Desmet Farm Mutual Insur Co is seeking a property claims adjuster to investigate, inspect, and settle losses across multiple lines of business. The role includes field inspections of candidate properties and collaboration with underwriting and agents to assess risk and coverage.

The position requires strong communication, negotiation, and independent work abilities, plus willingness to travel and use estimating software. High school diploma and valid license are required.

Qualifications

• High school education required.
• Ability to learn the coverages of all insurance policies written by the company.
• Effective communication and negotiation skills required.
• Valid driver’s license with acceptable driving record; own vehicle required.
• Ability to travel short and long distances, with occasional overnight travel.

Responsibilities

• Investigate claims assigned and communicate with insureds, claimants, and their representatives.
• Perform inspections of property loss sites and document findings with photos and estimates.
• Verify policy coverage on assigned losses and determine payment or denial.
• Pursue subrogation, salvage, and third-party liability contribution as appropriate.
• Maintain reserves and report claims exceeding thresholds to leadership.

Skills

Communication skills

Negotiation skills

Independence

Attention to detail

Travel willingness

Education

High school education

Tools

Bluebook estimating software

Job description

Desmet Farm Mutual Insur Co is seeking a property claims adjuster to investigate, inspect, and settle losses across multiple lines of business. The role includes field inspections of candidate properties and collaboration with underwriting and agents to assess risk and coverage.

The position requires strong communication, negotiation, and independent work abilities, plus willingness to travel and use estimating software. High school diploma and valid license are required.