FBS Underwriting Inspections Representative

FBS – Farmer Business Services is part of Farmers operations with the purpose of building a global approach to identifying, recruiting, hiring, and retaining top talent. By combining international reach with US expertise, we build diverse and high-performing teams that are equipped to thrive in today’s competitive marketplace.

We believe that the foundation of every successful business lies in having the right people with the right skills. That is where we come in—helping Farmers build a winning team that delivers consistent and sustainable results.

Since we don’t have a local legal entity, we’ve partnered with Capgemini, which acts as the Employer of Record. Capgemini is responsible for managing local payroll and benefits.

What to expect on your journey with us:

• A solid and innovative company with a strong market presence

• A dynamic, diverse, and multicultural work environment

• Leaders with deep market knowledge and strategic vision

• Continuous learning and development

The Team

This team of Inspection underwriters reviews inspection. The inspection will show hazards identified by an outside vendor, and the team core role is to determine what repairs or outcome is needed. This role also reviews the components that make up the cost to replace a home.

We count in you for: 

• Evaluating and determining new and renewal risk eligibility for home policies by applying the current acceptable maintenance and condition expectations (AMCE), as well as personal underwriting judgement for information found in the physical inspection of the property, aerial imagery, other available tools, and data sources.
• Validating the accuracy of home replacement cost submitted by the agency and assessed by the inspection vendor to ensure the appropriate rate classification of risk by using all available resources and updating the policy as needed.
• Responding to agent, customer and licensed staff inquiries through chat or email regarding specific inspection decisions, general inspection questions, and remediated AMCE underwriting concerns.
• Regularly sharing observations, insights and learnings of underwriting new and renewal inspections and replacement cost evaluations with underwriting and product leadership to inform future inspection guidelines and strategies.
• Building personal and team skill sets by participating in inspection calibration sessions, business review meetings, and underwriting business meetings.