Farmers

A large national insurer operating through a network of exclusive agents. Farmers is particularly strong in the western U.S. and offers a range of homeowners products including specialized coverage options.

Headquarters

Woodland Hills, California

Claims phone

800-435-7764

Website

www.farmers.com

Xactimate

Uses Xactimate for estimates

What Farmers is known for

Strong presence in western states
Exclusive agent distribution model
Owned by Zurich Insurance Group

Filing a claim with Farmers

Practical tips for restoration professionals working Farmers claims.

Farmers adjusters often write conservative initial estimates. Have your own scope ready for a side-by-side comparison.

They use a mix of staff and independent adjusters depending on claim volume. Ask who will be inspecting your property.

Farmers has specific guidelines for roofing repairs vs. replacement. Know their threshold criteria before the inspection.

Supplements submitted with clear photo documentation and Xactimate line items tend to get approved faster.

Working with Farmers in Xactimate

Farmers adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Farmers, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.

Common deductible types

Flat dollarPercentage-based wind/hail

Frequently asked questions

Call 800-435-7764, file through the Farmers mobile app, or report online at farmers.com. Your local Farmers agent can also help you start the process.

Yes, Farmers adjusters use Xactimate for writing property damage estimates. This makes it straightforward to compare their scope against your own Xactimate estimate.

Farmers homeowners policies typically include a flat dollar deductible. In some states, wind or hail damage may carry a separate percentage-based deductible.

Convert your Farmers PDF to ESX

Upload a PDF estimate from Farmers. CapOut processes it and sends it directly to your Xactimate account.

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