Field Property Claims Adjuster- Metro Denver, CO

We are Farmers – where ambition meets opportunity. At Farmers, 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.

About the role

The candidate for this position must live in the Metro Denver, CO area. This role offers:

• Paid training through the award-winning and industry-leading University of Farmers.
• Flexibility and independence to work outside the confines of a desk job.
• Rapid growth potential and management opportunities through education, mentorship programs, and inspirational leadership.

Responsibilities

• Conduct field-based investigations by visiting policyholders’ homes to investigate property damage.
• Use claims handling software, a company car, and laptop to determine claims-related damage and write estimates in a paperless environment.
• Represent the Company from a public relations standpoint and conduct oneself as a member of Management at all times.
• Use strong customer service skills to negotiate with policyholders to settle the claim.
• Investigate, determine liability, confirm coverage, establish damages, and negotiate settlement of claims.
• Maintain an active adjuster’s license in states where required.
• Adjust all types of claims, inspect damaged property, and determine claims-related damage.
• Estimate the cost of repair or replacement of damaged or stolen property.
• Determine and report on subrogation potential.
• Initiate the sale of salvage, personal property, and miscellaneous salvage items.
• Report theft, fraud, and arson losses as required to state and industry agencies.
• Perform duties on an individual basis, with work having a direct bearing on Management results.
• Employees assigned to the Catastrophe team may be required to travel away from their residence for a specified period of time, usually 2-3 days.
• Promote safety at all times and comply with safety/ergonomic standards.

Requirements

• High school diploma or equivalent required; Bachelor’s degree preferred.
• Excellent customer service and communication skills.
• Eagerness to learn about insurance policies and property damage to identify how coverage applies to a particular loss.
• Outgoing personality that enjoys interacting with a wide variety of people, including policyholders, claimants, agents, witnesses, and fraud investigators.
• Valid driver’s license; final candidates will be subject to a Motor Vehicle Record background check.
• Able to adapt to ever-changing technology.
• Must be bondable.

Skills

• Communication
• Personal computer literacy

Physical Actions

• Job is performed in-person at a Farmers office or virtually at an approved alternative work location, including field locations.
• Frequently stands or moves about the workplace for prolonged periods, up to a full shift.
• Frequently navigates stairs, ramps, and level or uneven surfaces; regularly climbs ladders or navigates elevated surfaces.
• Occasionally sits for limited periods.
• Frequently moves, pushes, pulls, lifts, carries, and places objects or materials weighing up to 50 pounds without assistance.
• Frequently uses shoulders, arms, hands, and fingers to manipulate equipment, tools, and objects.
• Occasionally performs fine motor tasks such as typing, mousing, or writing.
• Frequently performs movements such as bending, stooping, crouching, kneeling, twisting, crawling, and reaching overhead or below the knees.
• Possesses clear vision, with or without correction, to read and verify information.
• Relies on depth perception and peripheral vision to navigate the work environment.
• Adequate hearing, with or without correction, to communicate and respond to auditory signals or alarms.
• Regular travel between Farmers offices, alternative work locations, and/or field locations may be required.

Benefits

• 401(k)
• Medical, dental, and vision coverage
• Health Savings and Flexible Spending Accounts
• Life Insurance
• Paid Time Off
• Paid Parental Leave
• Tuition Assistance

Pay

Competitive salary commensurate with experience, qualifications, and location. CO Only: $23.22 - $36.23 per hour. Bonus opportunity based on Company and Individual Performance.