How to hire a claims service representative

How to hire a claims service representative, step by step

Here's a step-by-step claims service representative hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write a claims service representative job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new claims service representative
• Step 8: Go through the hiring process checklist

What does a claims service representative do?

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1. Identify your hiring needs

   First, determine the employments status of the claims service representative you need to hire. Certain claims service representative roles might require a full-time employee, whereas others can be done by part-time workers or contractors.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   A claims service representative's background is also an important factor in determining whether they'll be a good fit for the position. For example, claims service representatives from different industries or fields will have radically different experiences and will bring different viewpoints to the role. You also need to consider the candidate's previous level of experience to make sure they'll be comfortable with the job's level of seniority.

   Here's a comparison of claims service representative salaries for various roles:

   Type of Claims Service Representative	Description	Hourly rate
   Claims Service Representative	Customer service representatives interact with customers to handle complaints, process orders, and provide information about an organization’s products and services.	$14-20
   Claims Clerk	Claims clerks review the forms and documents for insurance claims to check for missing information and attachments. The data they obtain is entered into their database for safekeeping and quick retrieval... Show more	$12-18
   Representative	Representatives are lawmakers who represent the people in a specific district. They run for office to represent their districts in their hometown or their current place of living... Show more	$11-26

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Insurance Claims
   • Customer Service
   • Policy Coverage
   • Phone Calls
   • Claims Process
   • Inbound Calls
   • Auto Accidents
   • Body Shop
   • Strong Customer Service
   • CSR
   • Party Claims
   • Claims Adjusters
   • Policy Holders
   • Medical Claims

   Check all skills

   Responsibilities:

   • Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
   • Experience in medical terminology, ICD9, CPT and DRG coding.
   • Review types of service on claims base on the CPT codes and diagnosis code.
   • Examine injure persons and administer first aid or cardiopulmonary resuscitation, if necessary, using training and medical supplies and equipment.
   • Coordinate EDI traffic with external clearinghouses and business partner Multiplan.
   • Process EDI reports, purge reports, and smart data reject list.

   More claims service representative duties

3. Make a budget

   Including a salary range in the claims service representative job description is a good way to get more applicants. A claims service representative salary can be affected by several factors, such as the location of the job, the level of experience, education, certifications, and the employer's prestige.

   For example, the average salary for a claims service representative in Georgia may be lower than in Alaska, and an entry-level engineer typically earns less than a senior-level claims service representative. Additionally, a claims service representative with lots of experience in the field may command a higher salary as a result.

   Average claims service representative salary

   $36,043yearly

   $17.33 hourly rate

   ---

   Entry-level claims service representative salary

   $30,000 yearly salary

   Updated December 16, 2025

   Average claims service representative salary by state

   Rank	State	Avg. salary	Hourly rate
   1	Hawaii	$46,419	$22
   2	Washington	$42,088	$20
   3	Minnesota	$40,309	$19
   4	New York	$40,081	$19
   5	California	$39,678	$19
   6	Massachusetts	$38,414	$18
   7	North Carolina	$37,722	$18
   8	New Hampshire	$37,303	$18
   9	Pennsylvania	$37,286	$18
   10	Iowa	$36,287	$17
   11	Texas	$36,011	$17
   12	Indiana	$35,461	$17
   13	Ohio	$34,412	$17
   14	Kansas	$34,287	$16
   15	Arizona	$34,220	$16
   16	Missouri	$34,197	$16
   17	Illinois	$34,063	$16
   18	Virginia	$33,972	$16
   19	Colorado	$33,400	$16
   20	Florida	$33,305	$16

   Average claims service representative salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	Homeowners Choice	$37,557	$18.06
   2	Mayo Clinic	$37,439	$18.00
   3	Amica Insurance	$37,317	$17.94	7
   4	GEICO	$37,249	$17.91	74
   5	City & County Of San Francisco - Police Department (sfpd)	$36,296	$17.45
   6	Farm Bureau Financial Services	$36,290	$17.45	4
   7	Midwest Family Mutual Ins. Co.	$36,222	$17.41
   8	Halifax Health	$35,781	$17.20	1
   9	U-Haul	$35,635	$17.13	919
   10	AmeriHealth Caritas	$35,616	$17.12	3
   11	Randstad North America, Inc.	$34,900	$16.78	33
   12	Texas Children's Hospital	$34,506	$16.59	12
   13	MetroPlus	$33,986	$16.34	3
   14	Highmark	$33,840	$16.27	168
   15	Gallagher	$33,739	$16.22
   16	Adecco	$32,927	$15.83	37

4. Writing a claims service representative job description

   A good claims service representative job description should include a few things:

   • Summary of the role
   • List of responsibilities
   • Required skills and experience

   Including a salary range and the first name of the hiring manager is also appreciated by candidates. Here's an example of a claims service representative job description:

   Claims service representative job description example

   Will be filled at the appropriate level based on experience
   
   Do you thrive in a work environment where you must multi-task and have strong organization skills? Are you a go-getter with high initiative and a positive attitude? Do you have strong customer service and time management skills? If so, this Claims Service Representative opportunity could be a great fit for you!
   
   Who We Are: With Farm Bureau Financial Services, our client/members can feel confident knowing their family, home, cars and other property are protected. We value a culture where integrity, teamwork, passion, service, leadership and accountability are at the heart of every decision we make and every action we take. We're proud of our more than 80-year commitment to protecting the livelihoods and futures of our client/members and creating an atmosphere where our employees thrive.
   
   What You'll Do: As a Claims Service Representative, you will review, investigate, evaluate, negotiate and settle assigned claims involving multi-line insurance coverage that do not require field investigation. You must investigate the facts of the loss, interpret the policy, and determine whether the loss is covered and if our client member is liable. You will also determine the value of lost property and assist in setting reasonable reserves. While handling the claim, you will prepare detailed and organized running notes, written reports and documentation in accordance with established procedures. As a Claims Service Representative, you must keep a service-oriented attitude at all times by maintaining professional and productive relationships with coworkers, supervisors, agents, agency managers, claimants, policyholders, doctors, attorneys, and others.
   
   What It Takes to Join Our Team:
   
   * Associates degree or equivalent experience required.
   * High attention to detail and strong organizational skills.
   * Have the ability to exercise independent judgment and arrive at decisions through sound, logical reasoning in order to handle more complex claims.
   * Excellent phone skills required as approximately 50% of time will be spent on the phone.
   * Must be PC literate and able to effectively use our systems. Familiarity with Outlook, Microsoft Word and Excel is preferred.
   * Strong verbal and written communication skills.
   * Work from our office in Lincoln, Nebraska.
   
   What We Offer You: When you're on our team, you get more than a great paycheck. You'll hear about career development and educational opportunities. We offer an enhanced 401K with a match, low cost health, dental, and vision benefits, and life and disability insurance options. We also offer paid time off, including holidays and volunteer time, and teams who know how to have fun. Add to that an onsite wellness facility with fitness classes and programs, a daycare center, a cafeteria, and for many positions, even consideration for a hybrid work arrangement. Farm Bureau....where the grass really IS greener!
   
   If you're interested in joining a company that appreciates employees, provides growth and professional development opportunities, and offers great benefits, we invite you to apply today!
   
   Work Authorization/Sponsorship: At this time, we are not considering candidates that need any type of immigration sponsorship now or in the future, such as additional or permanent work authorization. Applicants must be currently authorized to work in the United States on a full-time, permanent basis. We are not able to sponsor now or in the future, or take over sponsorship of, an employment visa or work authorization for this role. For example, we are not considering candidates with OPT status.

   Copy this example

   

5. Post your job

   To find claims service representatives for your business, try out a few different recruiting strategies:

   • Consider internal talent. One of the most important talent pools for any company is its current employees.
   • Ask for referrals. Reach out to friends, family members, and your current work to ask if they know any claims service representatives they would recommend.
   • Recruit at local colleges. Attend job fairs at local colleges to recruit entry-level claims service representatives with the right educational background.
   • Social media platforms. LinkedIn, Facebook, and Twitter have more than 3.5 billion users, and they're a great place for company branding and reaching potential job candidates.

   Post your job online:

   • Post your claims service representative job on Zippia to find and recruit claims service representative candidates who meet your exact specifications.
   • Use field-specific websites.
   • Post a job on free websites.

6. Interview candidates

   Your first interview with claims service representative candidates should focus on their interest in the role and background experience. As the hiring process goes on, you can learn more about how they'd fit into the company culture in later rounds of interviews.

   Remember to include a few questions that allow candidates to expand on their strengths in their own words. Asking about their unique skills might reveal things you'd miss otherwise. At this point, good candidates can move on to the technical interview.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new claims service representative

   Once you've found the claims service representative candidate you'd like to hire, it's time to write an offer letter. This should include an explicit job offer that includes the salary and the details of any other perks. Qualified candidates might be looking at multiple positions, so your offer must be competitive if you like the candidate. Also, be prepared for a negotiation stage, as candidates may way want to tweak the details of your initial offer. Once you've settled on these details, you can draft a contract to formalize your agreement.

   It's also good etiquette to follow up with applicants who don't get the job by sending them an email letting them know that the position has been filled.

   After that, you can create an onboarding schedule for a new claims service representative. Human Resources and the hiring manager should complete Employee Action Forms. Human Resources should also ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc., and that new employee files are created.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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How much does it cost to hire a claims service representative?