Property Adjuster Specialist - Field

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

#1 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 defined guidelines and framework, investigate,

evaluate, negotiate, and settle complex property insurance claims.

You will confirm / analyze coverage, recognize liability exposure and

negotiate equitable settlement in compliance with all state

regulatory requirements. You will recognize and empathize with

members’ life events, as appropriate. Property Adjuster Specialist

focus on using technology and desk adjusting for a virtual first

approach to inspections and claims handling. USAA also provides a

company vehicle to physically inspect losses within your locally

assigned territory. Field Adjusters may travel outside of their

local territory to respond to claims in other regions when needed.

This is an hourly, non-exempt position with paid overtime

available. This is a field-based role in the Charleston, SC area.

Candidates who are willing and able to work in this area are

encouraged to apply. 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. 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. Successful completion of a

job-related assessment may be required. What sets you apart :

Hands-on experience in the field handling high-severity and complex

property claims such as fire, water damage, vandalism, malicious

mischief, foreclosures, earth movement, collapse, and liability.

Residential property field adjusting experience with dwelling,

structure and additional living expenses. Experience working

directly for a standard insurance carrier handling claims from

start to finish (first notice of loss, reviewing policy, making

coverage decisions) Proficient in using estimating platforms and

virtual inspection tools like Xactimate, ClaimXperience and

XactAnalysis Insurance industry designations such as AINS

(Associate in General Insurance), CPCU (Chartered Property Casualty

Underwriter), AIC (Associate in Claims), or SCLA (Senior Claims Law

Associate) or actively pursuing Active Property & Casualty

adjuster license Currently reside in the Charleston area, enabling

quicker response times for local claims and a better understanding

of regional risks US military experience through military service

or a military spouse / domestic partner 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 : $67,750 - $121,950. 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 USAAjobs.com 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.