Field Property Claims Representative II - Indiana

Description

Do Work That Protects What Matters

Indiana Farmers Insurance is a mutual insurance company that has helped protect homes, farms, vehicles, and businesses since 1877. Our purpose is rooted in doing what is right for our members, independent agency partners, communities, and one another. Our ICARE values of Innovation, Collaboration, Accountability, Respect, and Empowerment mean we welcome ideas, work together, take ownership, treat people with respect, and empower associates to make a difference.

Join a team where your perspective matters, your work helps protect what people have worked hard to build, and you can grow a meaningful career through strong relationships and shared purpose.

Why this role matters

When a member experiences a loss, the quality of the claims response matters. As a Field Property Claims Representative II, you will investigate and resolve moderately complex to complex personal, commercial, and farm property claims while helping members understand what to expect and what comes next. Your work will combine sound coverage decisions, accurate evaluation, practical problem-solving, and a caring member experience.

• Investigate property losses through on-site and off-site inspections to determine coverage, liability, damages, and appropriate resolution.
• Handle claims from first notice through settlement, including reviewing claim setup, assessing coverage, establishing and adjusting reserves, documenting activity, and issuing payments within established authority.
• Inspect, evaluate, and estimate structural property losses across personal, commercial, and farm property types, including roofs, basements, crawl spaces, agricultural structures, equipment, and other loss locations as needed.
• Communicate clearly and promptly with members, claimants, agents, vendors, and other partners by phone, text, email, writing, and in person; explain decisions and manage expectations through difficult conversations.
• Manage claim vendors and experts, control claim expenses, and pursue subrogation and salvage opportunities when appropriate.
• Review pending claims and take timely action to move files toward resolution; identify issues outside authority and refer them appropriately.
• Recognize and refer potentially fraudulent claims for further investigation and communicate claim or account trends to Claims and Underwriting leaders.
• Serve as an agency liaison for the assigned territory, support other claims professionals, and participate in after-business-hours on-call rotation when needed.
• Prepare reports, maintain complete claim files, stay current on industry trends and applicable law, and assist with mediations, depositions, or litigation as needed.
• Use approved technology and AI-enabled tools thoughtfully to support documentation, analysis, and efficiency while applying sound professional judgment.

You will be successful by making fair, timely, and well-supported claim decisions; following work through to completion; communicating in a way members and agency partners can understand; and building trust through every interaction. This role requires someone who can work independently in the field while staying connected to the Claims Team and keeping sight of the member and business impact.

• Three to five years of relevant property claims experience, preferably with an insurance carrier, or an equivalent combination of education, training, and experience.
• Experience investigating, evaluating, negotiating, and resolving personal, commercial, and farm property claims.
• Strong knowledge of insurance concepts, policy provisions, endorsements, and coverage interpretation.
• Experience inspecting structural losses and safely accessing…