Field Property Claims Adjuster: St. Louis, MO

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.

About the role

This is a field role requiring travel to and from policyholder homes. Candidates must reside in the Greater St. Louis, MO area to be considered. The starting wage for this position is $27.67 per hour or higher. Additional compensation may be offered based on relevant experience and transferable skills.

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.
• Perform additional duties as assigned, including promoting safety at all times and complying with safety/ergonomic standards.
• Employees assigned to the Catastrophe team will be required to travel away from their residence for a specified period of time, usually consisting of 2-3 days. Although this is not a CAT-specific role, hires will be expected to commit to 1–3 CAT deployments per year.

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 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 and bondable. Final candidates will be subject to a Motor Vehicle Record background check as this position may include a company vehicle.
• Willing and able to climb ladders to inspect roofs, and be comfortable working on rooftops multiple times per day.
• Comfortable working in small, confined spaces that have been damaged, such as attics and crawlspaces.
• Achieve a minimum passing score on all claims training exams.

Physical Actions & Environment

• Bending, kneeling, pulling, pushing, sorting, carrying up to 50 lbs., climbing, reaching, standing, walking.
• Seeing, speaking (English), reading (English), writing (English), and key entering.
• Required job duties are performed in the field and an in-home office environment.
• Exposure to uncontrolled outside environmental conditions, excessive noise levels, chemicals, biological conditions, moving mechanical parts, areas considered dangerous, and conditions which could affect the respiratory system or skin (e.g., fumes, odors, dust, mists, gases, oils, smoke, soot, or poor ventilation).

Benefits

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

Pay

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

Training & Development

• Paid training through the award-winning and industry-leading University of Farmers.
• Rapid growth potential and management opportunities through education, mentorship programs, and inspirational leadership.