Field Property Claims Adjuster: Cape Girardeau, MO

Field Property Claims Adjuster: Cape Girardeau, 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. 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

Workplace: Remote (This is a field role requiring travel to and from policyholder homes. Candidates must reside in the Greater Cape Girardeau, MO area to be considered for this role. The starting wage for this position is $26.01 per hour or higher. Additional compensation may be offered based on relevant experience and transferable skills.)

A Day in the Life of a Field Property Adjuster: 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. Reports incidents involving theft, fraud, or arson to appropriate state and industry agencies. Perform duties independently, with work directly impacting management outcomes. Acts as a company representative in public interactions, maintaining a professional demeanor consistent with management standards. Engages 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. Performs additional duties as assigned. Promotes safety at all times and complies 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.

If You Have the Following: 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.

Final candidate qualifications may be reviewed against the requirements for the associated level of this role. Candidates must be willing & able to: 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. 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), & Key Entering. 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 Chemical/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.

Benefits Farmers offers a competitive salary commensurate with experience, qualifications, and location. 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 - MO - Cape Girardeau.