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Insurance Claim Representative information

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How much do insurance claim representative jobs pay per hour?

As of Jul 16, 2026, the average hourly pay for insurance claim representative in Michigan is $21.41, according to ZipRecruiter salary data. Most workers in this role earn between $15.48 and $25.14 per hour, depending on experience, location, and employer.

How to get a job as a claims adjuster with no experience?

To become a claims adjuster with no experience, focus on gaining relevant skills such as customer service, attention to detail, and knowledge of insurance policies. Completing a pre-licensing course and obtaining the required state license are essential steps, and entry-level positions or internships can provide valuable on-the-job training.

Is claim adjusting a dying field?

Claim adjusting remains a vital part of the insurance industry, as insurers need professionals to evaluate and settle claims. While automation and AI are increasingly used for routine tasks, skilled adjusters are still essential for complex cases and customer interactions, ensuring the field continues to evolve rather than decline.

What does an Insurance Claim Representative do?

An Insurance Claim Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of the claim, review documentation, and determine the validity of the claim in accordance with policy terms. Their duties often include interviewing claimants and witnesses, inspecting property damage, and negotiating settlements. The goal is to ensure fair outcomes for both the insurance company and the customer, while adhering to legal and regulatory requirements.

What kind of claims adjuster makes the most money?

In the insurance industry, specialized claims adjusters such as catastrophe or large-loss adjusters tend to earn higher salaries due to the complexity and scale of claims they handle. These roles often require advanced knowledge, certifications, and the ability to manage high-value or complex cases, which contribute to higher compensation compared to general claims adjusters.

What are the key skills and qualifications needed to thrive as an Insurance Claim Representative, and why are they important?

To thrive as an Insurance Claim Representative, you need a strong understanding of insurance policies, claims processing, and investigation, usually supported by a relevant degree or experience in the insurance industry. Familiarity with claims management systems, documentation software, and sometimes industry certifications like AINS or CPCU is important. Excellent communication, negotiation, and problem-solving skills help in effectively resolving claims and managing customer expectations. These abilities are essential to ensure accurate claim assessments, maintain customer trust, and support the financial health of the insurance provider.

What is an insurance claims representative?

An insurance claims representative is a professional who investigates and evaluates insurance claims to determine coverage and settlement amounts. They review policy details, gather evidence, and communicate with claimants, often using claims management software, to ensure accurate and fair claim processing.

How do Insurance Claim Representatives typically collaborate with other departments during the claims process?

Insurance Claim Representatives frequently work closely with underwriting, legal, and field adjuster teams to ensure thorough evaluation and resolution of claims. They often consult with underwriters to clarify policy coverage, coordinate with adjusters for on-site assessments, and partner with legal teams on complex or disputed claims. This cross-functional collaboration ensures each claim is handled efficiently and accurately, providing both customers and the company with fair outcomes. Effective communication and teamwork are essential skills for success in this role.
What are popular job titles related to Insurance Claim Representative jobs in Michigan? For Insurance Claim Representative jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Insurance Claim Representative jobs in Michigan look for? The top searched job categories for Insurance Claim Representative jobs in Michigan are:
Insurance Claim Representative jobs near you
Infographic showing various Insurance Claim Representative job openings in Michigan as of July 2026, with employment types broken down into 80% Full Time, 16% Part Time, 1% Temporary, and 3% Contract. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution, with an average salary of $44,531 per year, or $21.4 per hour.

Specialty Crop Claims Representative

American Farm Bureau Insurers, Inc.

Grand Rapids, MI • On-site

$60K - $90K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 9 days ago

Job description

American Farm Bureau Insurance Services, Inc. (AFBIS, Inc.) is looking for a Specialty Crop Claim Representative to work remotely in the Grand Rapids, MI and surrounding area. As a member of our Claims Team, you will be responsible for performing loss adjustment, pre-acceptance and quality control activities for Crop Hail and Federally Reinsured Crop Insurance products.

If you are an experienced Specialty Crop Claim Representative or if you have an interest in agriculture and enjoy helping people, this might be a great opportunity for you.

Reporting to the Claims Manager, the Specialty Crop Claim Representative will be responsible for:

  • Stay current on crop insurance claim procedures, focusing on specialty crops (e.g., Nursery, Whole Farm, Hybrid Seed, Fruit policies).
  • Coordinate and oversee adjusters to ensure timely and accurate claim settlements across regions.
  • Partner with regional supervisors to assign, track, and monitor specialty crop claims.
  • Provide guidance to agents, adjusters, and insureds on policy interpretation and FCIC/MPCI guidelines.
  • Train adjusters on proper loss adjustment procedures, including documentation and specialty crop requirements.
  • Conduct claim adjustments and perform specialty crop quality control reviews as needed.
  • Review, audit, approve, and submit claims to the Office Claims Group.
  • Troubleshoot and escalate system issues while demonstrating advanced proficiency in company software tools.

What you will bring to this position:

  • Bachelor’s degree or 4+ years of crop insurance experience with emphasis in the claims area.
  • The ability to maintain the required adjuster certifications and licenses.
  • A valid driver’s license.
  • The ability to read, analyze, and interpret policy information and applicable procedures.
  • Computer skills including but not limited to Microsoft word and excel.
  • Excellent verbal, written, and interpersonal communication skills.
  • Effective problem-solving, critical thinking, analytical, organizational, multitasking, and time management skills

Additional experience and skills preferred for this role:

  • Thorough understanding of Specialty Crop MPCI forms, endorsements, and approved claims adjusting procedures.
  • Crop insurance experience with emphasis on the listed specialty crops.
  • Knowledge of farming practices and crops typical to the territory.

Essential Functions and Physical Demands:

  • Ability to drive for extended periods of time.
  • Must be willing to travel and accept assignments in any state serviced by AFBIS. Expected travel at 40-50%.
  • Climbing grain bins or other storage structures and walking on uneven ground in field adjusting crops.

The expected starting salary range for this position is between $60,000 and $90,000. Applicable salary ranges may differ across markets. Actual pay will be determined based on experience and other job-related factors permitted by law.

We do not sponsor employment visas and are unable to take over an employment visa from another employer. Applicants must be authorized to work in the U.S. for ANY employer without the need for employment visa sponsorship.

AFBS offers a competitive benefits package that includes medical, dental, vision, life, and disability insurance; company funded cash balance pension and a 401(k) retirement plan; Flexible Spending and Health Savings Accounts; paid holidays, vacation, and sick time; Employee Assistance Program; and other benefits.

Please apply online at www.farmbureausellscropinsurance.com/careers/