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Inside Claims Adjuster - Water, Fire, Smoke


We are Farmers!

We are… more than just your favorite commercials.  At Farmers, we strive to deliver peace of mind to our customers by providing protection and comprehensive advice and delivering in the moments of truth. That means having people who can help us meet changing customer and business needs. Farmers high-performance culture is focused on results and the people who achieve them. We hold ourselves and others accountable for sustainably growing the business and each other. We seek solutions, own our actions, and grow through discomfort. We see setbacks as opportunities while continuously asking ourselves how we impact our customers. 


Farmers is an award winning, equal opportunity employer, committed to the strength of a diverse workforce. We are dedicated to supporting the well-being of our people through our extensive suite of benefits, as well as the well-being of the communities we serve through employee volunteer programs and nonprofit partnerships. Helping others in their time of need isn’t just our business – it’s our culture!  To learn more about our high-performance culture and open opportunities, check out and be sure to follow us on Instagram, LinkedIn, and TikTok. 


Workplace: Hybrid ( #LI-Hybrid ) or Remote ( #LI-Remote )


Candidate must reside in Central, Pacific or Mountain Time Zones.


Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office. Applicants beyond fifty (50) miles may still be considered.

Job Summary


  • Investigates, determines responsibility, confirms coverage, establishes damages, and negotiates settlement of property claims.
  •  Candidate must reside in Central, Pacific, or Mountain Time Zones.

Essential Job Functions


  • Conducts office investigation on assigned cases involving more complexity, confirms coverage, determines responsibility, establishes damages, reports status, and negotiates settlement (has authority to make payment of assigned claims within prescribed limits).
  • Reviews documentation on damaged property and vehicles, and determines claims related damage.
  • Reviews and adjusts estimates provided on the cost of repair or replacement of damaged or stolen property and vehicles.
  • May create damage estimate to establish the claims payment.
  • Communicates via telephone or other electronic means with policyholders, claimants, agents, witnesses, repair facilities, contractors/vendors, police and fire departments, state and county fraud and arson personnel, special investigators, attorneys, expert witnesses, members of the medical profession and all other persons integral to the investigation and processing of claims.
  • Determines and reports on subrogation potential.
  • Reports on potential salvage recovery to the Salvage COE.
  • Reports theft, fraud, and arson losses as required to federal state and industry agencies.

Education Requirements


  • High school diploma or equivalent required.
  • Bachelor’s degree preferred.
  • Required to maintain an active adjusters license in states where required.

Experience Requirements


  • Candidate should have a minimum of three years prior claims experience.
  • Prior property claims experience is preferred.

Special Skill Requirement


  • Prior general work experience with demonstrated customer service and time management skills is preferred.
  • Strong written/verbal communication, critical thinking and negotiation skills.
  • Must have the ability to work in a fast paced environment while multi-tasking and be proficient in the use of computer, internet, and Microsoft office applications.


  • Farmers offers a competitive salary commensurate with experience, qualifications and location.
    o CA Only: $31.62 - $45.72
    o CO Only: $29.62 - $39.52 
    o HI Only: $29.62 - $42.31
    o IL Only: $29.62 - $42.31
    o NY/ DC Only: $29.62 - $45.72 
             o Albany County: $31.62 - $39.52 
    o WA Only:  $29.62 - $52.88 
  • Bonus Opportunity (based on Company and Individual Performance)
  • 401(k)
  • Medical
  • Dental
  • Vision
  • Health Savings and Flexible Spending Accounts
  • Life Insurance
  • Paid Time Off
  • Paid Parental Leave
  • Tuition Assistance
  • For more information, review “What we offer” on


Job Location(s): US - CO, R_US - United States

Anticipated application deadline: At Farmers, the recruitment process is designed to ensure that we find the best talent to join our team. As part of this process, we typically close open positions within 8 to 21 days after posting. If you are interested in any of our open positions, we encourage you to submit your application promptly.

Want to learn more about our culture & opportunities? Check out and be sure to follow us on InstagramLinkedIn, and TikTok.

Apply now »