Property General Adjuster -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 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 General Adjuster, you will work within defined guidelines and framework to investigate, evaluate, negotiate and settle the highest complexity property insurance claims presented by or against our members. 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. 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 and the desire candidate needs to live in St. Louis, MO area. Candidates currently living in this location or willing to self-relocate are encouraged to apply.

What you'll do :

Manages assigned claims caseload comprised of claims with highest complexity damages that require considerable knowledge and understanding of claims coverage.

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

Extensive evaluation for highly complex claims, involving lengthy research and determination of settlement. Proactively identifies and engages in additional confirmation of potential discrepancies resulting from research involving complicated situations.

Serves as a resource for less experience staff on complicated claim situations.

Determines coverage through analyzing extensive information involving highly complex policy terms, including claim resolution.

Communicates with insured about coverage or any issues that involve additional information or considerations regarding settlement amount.

Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate.

Determines and negotiates highly complex settlement. Makes recommendations to management for settlement amounts outside of authority limits.

Maintains accurate and current claim file with critical documentation throughout the claims process for highly complex.

Proficient knowledge of estimating technology platforms. Utilizes platforms to prepare claims estimates in order to manage complex property insurance claims.

Serves as a subject matter expert for claims handling.

Supports workload surges and / or Catastrophe (CAT) operations as needed to include working significant overtime; may require deployment travel during designated CATs.

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

May require travel to resolve claims 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.

4 years' relevant property claims adjusting experience that includes writing estimates of moderate-highly complex claims and field adjusting experience.

2 years' experience handling dwelling claims.

Successfully acquire Property & Casualty (P&C) adjuster license and state registrations within 90 days of hire.

Proficient knowledge of Xactimate or similar estimating platform. Expert knowledge estimating losses of moderate complexity.

Advanced knowledge of property claims contracts and interpretation of case law.

Proficient knowledge of residential construction.

Demonstrated negotiation, investigation, communication and conflict resolution skills.

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

What sets you apart :

General Adjuster experience with a Standard Insurance Carrier

5+ years of Property field adjuster experience handling large loss, heavy structure claims and ALE management

5+ years of experience handling dwelling claims in the field

Xactimate Level 2 certification

Insurance Industry designations such as CPCU, AIC, SCLA, AINS

Currently hold an active P&C Adjuster License

Currently reside or able to self-relocate to St. Louis, MO area

Physical Demand Requirements :

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.

May require the ability to crouch and stoop to inspect confined attic spaces 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.

Compensation range : The salary range for this position is : $82,420.00 - $162,550.00

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.