Claims & Investigation
Helping others is all in a day’s work!
Claims careers at State Farm® fill your days with meaningful and challenging work that helps people.
The Claims department offers a variety of roles to match your skills and work style. Whether the first point of contact for new claims or investigating complex cases, our employees deliver remarkable service in a fast-paced, customer-focused call center environment.
Claims in action:
Key skills and responsibilities
These roles are demanding yet rewarding. In general, competitive candidates should demonstrate:
How we work
Claims offers a variety of work arrangements to accommodate different preferences and needs, including remote, hybrid, and field-based options.
Out in the field
In-Office
Inspect and estimate customer damage within a designated geographic location.
Auto Appraisers travel by company vehicle to body shops to estimate collision damage, assess vehicle damage, and review accident causation.
Property Field Inspectors travel by company vehicle to customers homes and businesses to inspect and estimate damages.
Catastrophe Services deploy field employees to areas where catastrophe losses have occurred at a moment's notice.
Whether Hybrid or Remote, our In-Office departments engage with customers virtually through multiple communication channels to timely resolve claims.
From initial intake, through coverage review, investigation and resolution, our Claims employees are here to help our customers recover from the unexpected.
Find your best fit
Hear from employees who handle a range of auto, home, commercial, and medical claims.
Auto Injury
Handles bodily injury and uninsured/underinsured claims, plus property damage claims involving injuries. Tasks include investigating, evaluating, negotiating, and settling auto claims by verifying coverage, determining legal liability, and assessing damage to persons and property.
Auto Property Complex
Manages high-volume, mid to high complexity auto property damage claims without personal injury. Responsibilities include communicating with policyholders, claimants, witnesses, agents, insurance companies, repair shops, contractors, and attorneys while conducting investigations.
Auto Total Loss
Handles claims where a vehicle is damaged beyond repair cost limits or deemed unsafe/uneconomical to fix. Tasks include validating actual cash value by assessing condition, options, and mileage, obtaining documents such as vehicle title, and settling the claim with ownership transfer.
Catastrophe Services (Deployed)
Responds to catastrophic weather events and may deploy to any business location. Works extended hours to meet demand, completing inspections and estimates, and coordinating with customers and contractors. May involve roof traversal and inspecting crawlspaces or attics using various methods.
Express
Handles lower-complexity auto property damage claims requiring minimal investigation. Responsibilities include explaining policy terms, guiding customers on claim steps, and arranging automotive repairs and rentals. Multitasking is essential to update electronic claim files while interacting with customers.
Fire Casualty
Manages third-party claims against insureds under Personal or Commercial Lines. Handles high volume, low to medium complexity claims in stewardship; low volume, high complexity claims in ownership. Tasks include investigating coverage and liability, contacting insureds, claimants, witnesses, attorneys, and vendors, assessing damages, and negotiating settlements.
Initial Loss Reporting
Acts as the first customer-facing segment for claim reporting. Resolves low-complexity claims at first contact and routes higher complexity claims to appropriate segments. Operates in a high-volume, team-based call environment.
PIP/MPC
Manages first-party medical coverage for auto accident injuries. Tasks include reviewing coverage, processing medical bills and records, evaluating reasonable and necessary medical expenses, and performing causation analysis to promptly resolve claims.
Property Field Inspection
Field Inspectors are strategically placed near customer demand. This segment performs on-site inspections with customers to investigate, evaluate, and bring claims to a resolution. As a mobile worker, this job function is primarily completed in the field environment which includes the use of a company owned vehicle.
Property In-Office
Services Boat, Farm/Ranch, Home, and Commercial policies. Works directly with policyholders to process and resolve claims for insured property damage. Partners with other segments or vendors to investigate, evaluate, negotiate, and conclude claims by verifying coverage and damage extent. Prepares, reviews, and reconciles structural estimates to determine owed amounts for repairs.
© Copyright 2026, State Farm Mutual Automobile Insurance Company, Bloomington, IL