Claim Representative Fire
State Farm - Lexington, KY

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Our claims associates are critical to the success of State Farm because of their direct contact with current and potential customers.

A claim representative investigates, evaluates, negotiates, and settles claims. At State Farm, our claim representatives support the mission and values of our company by providing Good Neighbor Service throughout the claims handling process.

The primary responsibilities of a fire claim representative include:

Working with customers, State Farm agents, attorneys, and service providers through the process of settling homeowner and other personal property claims
Investigating and evaluating the facts of a claim, which could include inspecting and investigating physical property sites
Evaluating, negotiating, and settling claims within authority levels
Maintaining the confidentiality of claim information
Using State Farm claims systems and other technologies to perform job duties
Communicating with customers and associates over the telephone, in person, and in written correspondence
Working under management supervision with attorneys, in the defense of lawsuits and/or in the discovery and investigation process
Working in a collaborative team environment to handle a large volume of claims, primarily over the telephone
Providing assignments and direction to claim processors and claim service assistants
Coordinating or participating in special projects, as assigned


Successful completion of required training programs and all licensing requirements, including continuing education for licensing
Ability to communicate clearly, professionally, and empathetically
Ability to learn and apply knowledge of insurance contracts, claim policies and procedures, and customer service philosophies
Ability to learn and utilize computer systems and other technologies
Ability to develop and apply knowledge of injury, property, and liability issues to handle claims within authority
Ability to maintain quality work product and professionalism, even when work volume is high
Ability to empathize with, actively listen to, and deal sensitively and professionally with customers, many of whom are experiencing the stress of a claim situation
Ability to organize and prioritize work, meeting deadlines and managing competing and changing priorities effectively
Critical competencies include, but are not limited to, communication, relationship building, critical thinking, customer focus, accountability, and quality
See For Yourself


Position requires investigating Property and Casualty claims, which could include obtaining measurements of a roof and living areas, inspecting attics, basements, crawl spaces and other claim locations as applicable
Position requires walking, climbing, bending, reaching, stooping, crawling, and lifting objects
Position requires lifting, carrying, unfolding, and climbing a ladder for inspections on both residential and commercial structures
May be required to drive motor vehicles and/or travel via commercial transportation
Must maintain a valid license to lawfully operate vehicles as directed/requested by State Farm
This position may require non-standard work hours or varying shifts
This position may require serving in or for geographic locations other than that of assigned area


Position requires inspecting Property and Casualty claims, which could include obtaining the measurements of the roof, living areas, inspection of attics, basements, crawl spaces and other claim locations as applicable. Position requires walking, climbing, bending, reaching, stooping, crawling and lifting objects.

Job also requires the investigation, evaluation, negotiation and conclusion of the structural damage, contents and additional living expenses.

Investigates, evaluates negotiates and concludes claims, including verification of coverage, and extent of damage to a persons and property, this will require contact by telephone, by correspondence, or in person.

Prepare and/ or review written or computerized estimates in loss settlements. Candidate must have the ability to climb roofs and inspect one and two story structures. Strong building construction knowledge preferred.

Job may require working in geographic locations other than that of the assigned area and may require working extended hours or weekends.

Job is contingent upon completion of Kentucky licensing requirements.

This position is in the Fire Claims Large Loss Unit. Candidates should have a building construction background. Experience with Xactimate estimating software is preferred. Mobility for future opportunities preferred.


Our Total Rewards benefits package includes:
Competitive starting salary

Annual merit reviews

Annual bonus potential

You may also be eligible to participate in Medical, Dental, Life and Disability Insurance, Vision, 401(k) Plan (Savings & Thrift in Canada), Credit Union, a fully funded retirement pension plan, and more.

To search for more information on careers in the U.S., visit To search for more information on careers in Canada, visit

State Farm Insurance is an equal opportunity employer

State Farm - 23 months ago - save job - copy to clipboard
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State Farm Mutual Automobile Insurance Company® is the largest auto insurer in the U.S. since 1942. About one of every five cars on the...