Job Description

We are Farmers – where ambition meets opportunity.

At Farmers, we’re not just known for unforgettable jingle – 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. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do.

Ready to make your mark? Discover our vibrant culture and explore career opportunities at Connect with us on Instagram, LinkedIn and TikTok, and let’s build something incredible together!

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

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.

Start Date: TBD

Location: Remote or Hybrid if within 50 miles of a local office.

Training Work Hours: Monday - Friday, 8:00 am - 4:30 pm Local Time

Normal Business Schedule: Multiple weekend schedules are available, options include: Sun-Thu, Tue-Sat, or Thu-Mon.

• Virtual shifts worked on Saturday and Sunday are counted as on‑site days, reducing the required in‑office days during the work week to one day.

Job Summary

Applies fully proficient knowledge and skills to proactively investigate, confirm coverage, determine liability, establish damages, and negotiate settlements of auto physical damage claims. This could include single and multi-vehicle losses with basic coverage and moderate to complex liability issues requiring in depth investigation and analytical skills.

Essential Job Functions

• Makes same day contact with customers; explains the claims process to all customers.
• Explains all applicable coverage benefits to the policyholder; confirms facts of loss.
• Determines vehicle location and if drivable; offers vehicle repair and rental service options to customers.
• Utilizes a broad understanding of claims adjusting to apply skills and knowledge to investigate and determine liability for claims with basic coverage issues and moderate to complex liability issues; performs in-depth investigation and analysis on losses such as multi vehicle losses with comparative negligence.
• Completes investigation by securing recorded statements of the drivers, police report, vehicle photos and estimates, and scene investigations.
• Support early resolution of eligible bodily injury claims by assessing initial information and issuing settlement offers when appropriate.
• Coordinates auto physical damage estimate through proper internal method of inspection and arranges for release of vehicles that are accruing storage fees.
• Proactively investigates and determines coverage for Auto policy claims with coverage issues requiring in-depth investigation including but not limited to if the policy out of force for the date of loss, unlisted or permissive drivers, excluded drivers, vehicle not on the policy, rideshare involvement, material misrepresentation issues, and new business investigations.
• Maintains ownership of the claim and completes work with a limited degree of supervision.
• Serves as the primary point of contact through resolution of all exposures.
• Communicates and collaborates with other claim specialists to facilitate claim resolution for customers.
• Provides verbal and written communication to customers to explain coverage issues and decisions.
• Communicates policy risk issues to Underwriting to facilitate their evaluation of the policy risk and exposure; escalates complex coverage issues to supervisor.
• Demonstrates proficient knowledge and application of venue laws for all states handled in the Region.
• Analyzes duties owed and breached by all potential responsible parties and determines liability percentage for each party.
• Escalates claims with exposures exceeding financial authority to supervisor.
• Communicates liability decision to customers, claimants, claim specialists, and Underwriting.
• Recognizes subrogation potential and makes referrals to Subrogation department when appropriate.
• With limited supervision and support, investigates and recognizes all potential claim exposures.
• Recognizes and escalates non-auto property damage exposures and resolves auto physical damage claims proactively and accurately.
• Secures estimate of damages timely through appropriate repair channel.
• Writes, reviews, and adjusts auto physical damage estimates for repairable vehicles with minor to moderate damages.
• Issues and authorizes claim payments to customers and repair facilities and explains repair process and estimate to customers.
• Manages rental claims through communication with customers, repair facilities, rental vendors, and claim specialists.
• Proactively manages and mitigates storage costs; coordinates and collaborates with auto physical damage and total loss specialists to facilitate claim resolution for customers.
• Maintains active diary and resolution plan on open files; handles and documents files in compliance with regulatory requirements.
• Responsible for ensuring professional correspondence is sent to customers including claim status updates.
• Completes work with a limited degree of supervision.
• May act as an informal resource for colleagues with less experience.

Physical Actions

• Sits or stands for extended periods of time, up to a full work shift.
• Occasionally reaches overhead and below the knees, including bending, twisting, pulling, and stooping.
• Occasionally moves, lifts, carries, and places objects and supplies weighing 0-10 pounds without assistance.
• Listens to, interprets, and differentiates auditory information (e.g. others speaking) at normal speaking levels with or without correction.
• Visually verifies and reads information; visually locates material, resources and other objects.
• Ability to continuously operate a computer for extended periods of time, up to a full work shift.
• Physical dexterity sufficient to use hands, arms, and shoulders repetitively to operate keyboard and other office equipment up to a full work shift.

Physical Environment

• This role, whether performed virtually or in an office setting, will include normal and customary distractions, noise, and interruptions.

Education Requirements

• High school diploma or equivalent required.
• Bachelor’s degree preferred.
• Insurance Adjusters License in states where applicable, required.

Experience Requirements

• Prior claims adjusting experience preferred.

Benefits

• Farmers offers a competitive salary commensurate with experience, qualifications and location. o CA Only: $27.73 - $47.07 o CO Only: $26.00 - $40.67 o HI/IL/MN/VT Only: $26.00 - $43.58 o MA Only: $26.00 - $43.58
• o MD Only: $26.00 - $43.58 o DC/NJ/NY/OH Only: $26.00 - $47.07 o Albany County, NY/Cleveland, OH: $27.73 - $40.67 o WA Only: $26.00 - $49.52
• 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

Job Location(s): US - AZ - Phoenix

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.

Farmers will consider for employment all qualified applicants, including those with criminal histories, in accordance with the Los Angeles Fair Chance Initiative for Hiring Ordinance or other applicable law. Pursuant to 18 U.S.C. Section 1033, Farmers is prohibited from employing any individual who has been convicted of any criminal felony involving dishonesty or a breach of trust without prior written consent from the state Department of Insurance.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Farmers is an Equal Opportunity Employer and does not discriminate in any employer/employee relations based on race, color, religion, gender, sexual orientation, gender expression, genetic information, national origin, age, disability, marital status, military and veteran's status, or any other basis protected by applicable discrimination laws.

Spokane, WA only: Residents who prefer not to provide their address click here to submit your resume via email: ***email_hidden***

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