Remote Property Claims Specialist

Indiana Farmers Insurance; United States; Hybrid; USD 61,000 - 73,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

2% 401k Company Match

11% 401k Company Contribution

Parental Leave

Day of Service

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 to complex property claims across personal, commercial, and farm lines. You will determine coverage, assess damages, and manage reserves while guiding members through the claims process with empathy and clarity.

The role emphasizes independent work within a collaborative Claims team, with remote/ hybrid/ onsite flexibility.

Qualifications

• Three to five years of relevant property claims experience.
• Experience investigating, evaluating, negotiating, and resolving property claims.
• Ability to interpret third-party inspection documents and 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.
• Customer-focused communication style and the ability to work independently and manage time effectively.
• Experience with Xactimate or similar estimating software preferred.
• Farm property exposure experience is preferred.
• College degree and insurance designations such as CPCU, AIC, SCLA or similar preferred.

Responsibilities

• Investigate property losses 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.

Skills

Property claims experience

Xactimate

Insurance concepts

Negotiation

Analytical skills

Communication with members

Education

College degree

Insurance designations (CPCU/AIC/SCLA)

Tools

Xactimate or similar estimating software

Job description

Indiana Farmers Insurance is seeking an Inside Property Claims Representative II to investigate and resolve moderately complex to complex property claims across personal, commercial, and farm lines. You will determine coverage, assess damages, and manage reserves while guiding members through the claims process with empathy and clarity.

The role emphasizes independent work within a collaborative Claims team, with remote/ hybrid/ onsite flexibility.