Property Adjuster Specialist - Desk

Property Adjuster Specialist

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.

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 analyze 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 Pacific & Mountain Time Zone (including the state of Arizona). This role is remote eligible for candidates located or willing to self-relocate to Pacific or Mountain 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 manage assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability.

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

Investigate 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.

Identify coverage concerns, review prior loss history, determine and create Special Investigation Unit (SIU) referrals, when appropriate. Determine coverage through analyzing information involving complex policy terms and contingencies.

Determine and negotiate complex claims settlement within authority limits. Develop recommendations and collaborate with management for determining settlement amounts outside of authority limits and accurately manage claims outcomes.

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

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

Support 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.

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

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

Adjust complex claims with attorney involvement.

Recognize and address jurisdictional challenges such as applicable legislation and construction considerations.

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

Ensure 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

Experience handling Property Mitigation

Prior deployments in support of catastrophes

Currently hold an active Adjuster License

Currently reside or willing to self-relocate to Pacific or Mountain Time Zone (including the state of Arizona)

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 : $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.).

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.

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. If you are an existing USAA employee, please use the internal career site in OneSource to apply. Please do not type your first and last name in all caps.

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