Remote Claims Representative Jobs
Remote claims representative jobs are open across the U.S. in insurance, healthcare, and financial services, at remote-first carriers, third-party administrators, and distributed benefits teams handling everything from property and casualty claims to workers' compensation. Employers hiring remotely right now include Auto-Owners Insurance, Farm Bureau, and Westfield Insurance. Scan the live roles below and apply to whichever ones fit.
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POSITION TITLE: Property Field Claims Representative
STATUS: Exempt
COMPENSATION RANGE: $55,000-90,000 Annually
LOCATION: Remote with travel within the assigned territory listed below:
REPORTS TO: Property Claims Manager
Property Field Claims Representative
Virginia Farm Bureau is seeking a customer-focused Property Field Claims Representative (PFCR) to join our claims team. The PFCR is responsible for handling a variety of property damage and liability claims and providing efficient settlements in accordance with company procedures and standards.
POSITION LEVEL AND CAREER PROGRESSION
This position may be filled at one of several levels depending on a candidate's experience, technical expertise, education, and demonstrated ability. We are actively seeking qualified candidates ranging from entry-level adjusters to highly experienced property claims professionals.
Career levels 1-3 include: Property Claims Representative (PCR), Property Claims Specialist (PCS), and Senior Property Claims Representative (SPCR). The core responsibilities are similar across all levels; however, higher levels assume increased claim complexity, greater authority, higher settlement responsibility, advanced estimating expertise, mentoring expectations, and technical leadership responsibilities.
LEVEL EXPECTATIONS
Level 1 - PCR: Entry-level role responsible for investigating losses, preparing estimates, evaluating damages, communicating with insureds and contractors, and developing property claims expertise.
Level 2 - PCS: Performs PCR responsibilities with greater independence, handles more complex claims, exercises increased authority, and serves as a resource for claims handling and estimating questions.
Level 3 - SPCR: Performs PCS responsibilities while managing higher-value and more complex losses, preparing larger estimates, exercising stronger decision-making authority, and mentoring less experienced team members.
LOCATION:
Field based position that does require traveling in Central Virginia territory. Company Auto provided with covered gas, insurance, and maintenance. Applicants must reside in the state of Virginia to be considered for the position, no relocation assistance offered.
POSITION
Hours: Monday - Friday, 8:00am-4:30pm
Full-time salaried position with benefits
PRIMARY DUTIES
- Investigate all losses assigned for Virginia Farm Bureau members.
- Comply with company policies and procedures in the handling of all losses and other company matters.
- Report all activity on all claim files to the company promptly.
- Evaluate and Estimate claims using photos, measurements, estimating platforms, and other available resources.
- Promptly reply to all complaints as requested.
- Advise Underwriting Department on all poor risks.
- Assist and give guidance to other claim personnel as requested.
- All other duties as assigned by the Supervisor.
MINIMUM EDUCATIONAL/EXPERIENCE/SKILLS
- College degree or equivalent work experience.
- Relevant experience in property claims, insurance, construction, restoration, estimating, or a related field.
- Level placement will be based on the selected candidate's experience, technical expertise, certifications, and demonstrated capabilities.
- Typical experience ranges: PCR (0-2 years), PCS (2+ years), SPCR (5+ years).
- Proficiency with Xactimate and understanding of building construction appropriate to job level.
- Excellent communication, customer service, investigation, negotiation, organizational, and problem-solving skills.
PREFERRED QUALIFICATIONS/SKILLS
- 5 years previous property claims experience
- Knowledge of insurance contracts issued by the company
- Experience with casualty insurance claims
BENEFITS OVERVIEW
At VA Farm Bureau, we provide an exceptional benefits package, including ongoing job development and support in all roles, paid training and continuing education reimbursement, medical and dental insurance available on your first day, generous employee 401K contribution, excellent Paid Time off (PTO) plan and more!
Virginia Farm Bureau Companies provide equal employment opportunity in all aspects of employment without regard to race, color, national origin, religion, gender, pregnancy, age, disability, orientation or veteran status.
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Find JobsRemote Claims Representative Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in remote claims representative jobs.
- Two or more years of experience handling property, casualty, auto, or workers' compensation claims
- Active or eligible-for-state adjuster license in relevant lines of insurance
- Proficiency with claims management systems such as Guidewire, Duck Creek, or similar platforms
- Strong written and verbal communication skills for interacting with claimants, attorneys, and medical providers
- Associate or bachelor's degree in business, finance, risk management, or a related field
- Completion of or progress toward an AIC, CPCU, or comparable insurance industry designation
Tips for Your Remote Claims Representative Job Search
Apply early to remote roles that fit
Migrate Mate lists remote claims representative openings from across the U.S. in one place, so you can find roles that match your background and apply directly without sorting through non-remote listings.
Highlight your async communication skills
Remote claims work runs on written handoffs, documented decisions, and clear email trails with policyholders and medical providers. Show specific examples of written case summaries, denial letters, or coverage explanations you've produced independently.
Get your adjuster license before you apply
Many remote roles require a state adjuster license, and holding one before you apply removes a common screening barrier. A non-resident license in a high-demand state like Florida or Texas makes you eligible for more distributed team openings.
Demonstrate your claims platform experience
Remote employers want to see that you can work inside their systems from day one. Name the claims management platforms you've used, such as Guidewire, Duck Creek, or similar tools, directly in your resume and cover materials.
Remote Claims Representative Jobs: Frequently Asked Questions
How do I get a remote claims representative job?
Target insurers, third-party administrators, and healthcare payers that run distributed claims teams, since those employers have already built the systems for remote adjusting and processing. Remote hiring managers screen for self-direction, clear written communication, and familiarity with claims management platforms. Candidates who can demonstrate independent caseload management, accurate documentation under minimal supervision, and comfort with video-based adjuster calls consistently stand out.
Which companies hire remote claims representatives?
Remote claims representative roles are posted by Auto-Owners Insurance, Farm Bureau, and Westfield Insurance and others right now, based on current remote listings on Migrate Mate as of November 2026. Remote-first carriers, national third-party administrators, and distributed health and property insurance teams are the most consistent sources of these openings.
Can you get a remote claims representative job with no experience?
Yes, but remote entry-level claims roles are harder to land because you'll be expected to manage your caseload independently from day one. Remote-first carriers and third-party administrators sometimes hire trainees, and candidates who show strong written communication, attention to detail, and comfort with digital claims platforms can offset limited direct experience. Customer service or data entry backgrounds in insurance-adjacent fields also open doors.
Do you need a degree for remote claims representative jobs?
Not always. Many remote employers weigh adjuster licensing, claims software proficiency, and a demonstrated ability to manage cases accurately over formal education credentials. Some states require a licensed adjuster certificate to handle certain claim types, which carries more weight than a degree in many hiring decisions. Practical results, like low error rates and fast cycle times, matter more in remote screening.
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