Property Adjuster Specialist - Desk

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

As a dedicated Property Adjuster Specialist , you will work within established guidelines and framework to investigate, evaluate, negotiate, and settle complex property insurance claims presented by or against our members. You will confirm and analyzes coverage, recognize liability exposure and negotiate equitable settlements in compliance with all state regulatory requirements. This is an hourly, non-exempt position with paid overtime available.

This is a Desk-based / Non-inspect role for the Central & Eastern Time Zone . This role is remote eligible for candidates located or willing to self-relocate to Central or Eastern Time Zone continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site 3 days per week.

What you'll do :

Proactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability.

Partners with vendors and internal business partners to facilitate complex claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance.

Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources. May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics.

Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. Determines coverage through analyzing information involving complex policy terms and contingencies.

Determines and negotiates complex claims settlement within authority limits. Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes.

Maintains accurate, thorough, and current claim file documentation throughout the claims process.

Advance knowledge of estimating technology platforms and virtual inspection tools. Utilizes platforms and tools to prepare claims estimates to manage complex property insurance claims.

Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and / or holiday work outside normal work hours.

May be assigned CAT deployment travel with minimal notice during designated CATs.

Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.

Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience.

Adjusts complex claims with attorney involvement.

Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.

May require travel to resolve claims, attend training, and conduct in-person inspections.

Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have :

High School Diploma or General Equivalency Diploma required.

2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.

Advanced knowledge of estimating losses using Xactimate or similar tools and platforms.

Proficient knowledge of residential construction.

Proficient knowledge of property claims contracts and interpretation of case law and state laws and regulations.

Proficient negotiation, investigation, communication, and conflict resolution skills.

Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.

Ability to travel 50-75% of the year (local & non-local) and / or work catastrophe duty when needed.

Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

What sets you apart :

US military experience through military service or a military spouse / domestic partner

5 years of prior experience handling higher severity / complex losses (i.e. vandalism, malicious mischief, foreclosures, earth movement, collapse, liability, etc.)

Prior experience adjusting property claims using virtual technologies

Prior property adjuster experience handling DWG, APS and ALE adjustments

Industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing)

Xactimate Level 1 and / or Level 2 certification

Prior deployments in support of catastrophes

Currently hold an active Adjuster License

Currently reside or willing to self-relocate to a Central or Easter n Time Zone State

Physical Demand Requirements :

May require the ability to crouch and stoop to inspect confined spaces, to include attics and go beneath homes into crawl spaces.

May need to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver's license.

May require the ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a car.

May require the ability to climb ladders and traverse roofs, this includes the ability to work at heights while inspecting roofs and attics.

Compensation range : The salary range for this position is : $69,920.00 - $133,620.00.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation : USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits : At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.