Field Property Claims Adjuster: Reno, NV

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. Growth isn’t just a goal – it’s a way of life for both the organization and every individual on our team.

About the role

This is a field role requiring travel to and from policyholder homes. Territory & residency requirement: candidates must currently reside within the designated territory covering the Greater Reno, Nevada area.

Responsibilities

• Conduct both virtual and on-site investigations by visiting policyholders’ residences to assess property damage, determine liability, evaluate the extent of loss, and negotiate fair settlements.
• Use claims handling software, a company car, and a laptop to determine claims-related damage and write estimates in a paperless environment.
• Evaluate and report on potential subrogation opportunities.
• Report incidents involving theft, fraud, or arson to appropriate state and industry agencies.
• Perform duties independently, with work directly impacting management outcomes.
• Act as a company representative in public interactions, maintaining a professional demeanor consistent with management standards.
• Engage regularly with a variety of stakeholders, including policyholders, claimants, agents, witnesses, contractors, law enforcement, fraud and arson investigators, attorneys, medical professionals, and other relevant parties.
• Use strong customer service skills to negotiate with policyholders to settle the claim.
• Climb ladders to inspect roofs and be comfortable working on rooftops multiple times per day.
• Work in small, confined spaces that have been damaged, such as attics and crawlspaces.
• Promote safety at all times and comply with safety/ergonomic standards as outlined in relevant company-published manuals.
• Employees assigned to the Catastrophe team will be required to travel away from their residence for a specified period of time, usually consisting of 23 days. Although this is not a CAT-specific role, hires will be expected to commit to 1–3 CAT deployments per year.
• Perform additional duties as assigned.

Requirements

• High school diploma or equivalent required.
• Excellent customer service experience, preferably in a retail environment.
• Construction or insurance experience is highly desirable and preferred.
• Excellent communication skills – both oral and written.
• Computer literate: MS Word, Excel, Outlook.
• Proficiency with smartphones and applications.
• Eagerness to learn about insurance policies and property damage from the inside out to identify how coverage applies to a particular loss.
• Outgoing personality that would enjoy interacting with a wide variety of people including policyholders, claimants, agents, witnesses, and fraud investigators.
• Valid driver's license and bondable. Final candidates will also be subject to a Motor Vehicle Record background check as this position may include a company vehicle.
• Achieve a minimum passing score on all claims training exams.
• Willing and able to perform physical actions such as bending, kneeling, pulling, pushing, sorting, carrying up to 50 lbs., climbing, reaching, standing, walking, seeing, speaking (English), reading (English), writing (English), and key entering.

Work Environment

• Required job duties are performed in the field and an in-home office environment.
• Exposure to some or all of the following environments when in the field: uncontrolled outside environmental conditions, excessive noise levels, chemicals, biological conditions, moving mechanical parts, areas considered dangerous, conditions which could affect the respiratory system or skin such as fumes, odors, dust, mists, gases, oils, smoke, soot, or poor ventilation.

Pay

The starting hourly wage for this position is $27.67 or higher. Additional compensation may be offered based on relevant experience and transferable skills.

Benefits

• Bonus opportunity (based on company and individual performance).
• 401(k).
• Medical, dental, and vision insurance.
• Health Savings and Flexible Spending Accounts.
• Life insurance.
• Paid time off.
• Paid parental leave.
• Tuition assistance.
• 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.