Inside Desk Property Adjuster

About the role

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.

The Opportunity As a dedicated Property Adjuster, you will work within defined guidelines and framework, investigating, evaluating, negotiating, and settling low to moderate complexity property insurance claims.

Responsibilities

• Proactively manages assigned claims caseload comprised of claims with low to moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate low to moderate complexity 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.
• Determines coverage through analyzing investigation information involving low to moderate complexity policy terms and contingencies.
• Determines and negotiates low to moderate complexity claims settlement.
• Captains the claims process by maintaining accurate, thorough, and current claim file documentation throughout the claims process.
• Applies knowledge of estimating technology platforms and virtual inspection tools to prepare and manage low to moderate complexity property insurance claims estimates.
• 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.
• Maintains a working knowledge of applicable legislation and construction considerations.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Requirements

• A high school diploma or general equivalency diploma.
• One year of customer service, military leadership, construction related industry/insurance experience and/or experience handling low complexity property claims.
• Knowledge of estimating losses using Xactimate or similar tools and platforms.
• Demonstrated negotiation, investigation, communication, and conflict resolution skills.
• Working knowledge and understanding of claims contracts as well as application of case law and state laws and regulations.
• Ability to prioritize and multi-task, including navigating through multiple business applications.
• May need to travel up to 25% 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.

Qualifications

• 1+ years relevant property adjusting claims of moderate complexity.
• Desk adjusting residential property claims to include water, roof, and personal property.
• File ownership handling claims from start to finish (scoping the loss, assessing damages, estimating, interpreting policy, making coverage decisions, settlement).
• Proficient in estimate writing using Xactimate and virtual tools (such as Claim X, Hover, and Hosta).
• Currently hold an active P&C Adjuster license.
• Experience working directly for a standard insurance carrier.
• Experience in a all center environment.
• US military experience through military service or a military spouse/domestic partner.

Skills

• Highly competitive products, exceptional service and trusted advice.
• Defined guidelines and framework for investigating, evaluating, negotiating, and settling property insurance claims.
• Knowledge of Xactimate or similar tools and platforms for estimating losses.
• Ability to prioritize and multi-task, including navigating through multiple business applications.
• Experience handling low complexity property claims.
• Proficiency in estimate writing using Xactimate and virtual tools.
• Active P&C Adjuster license.
• Experience working directly for a standard insurance carrier.
• Experience in a all center environment.
• US military experience through military service or a military spouse/domestic partner.

Benefits

• 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.
• Variety of wellness programs.
• Career path planning and continuing education.

Pay

The salary range for this position is: $54,380 - $103,870.

Schedule

This is an hourly, non-exempt position with paid overtime available. Training will be approximately 12 weeks, Monday to Friday and hours may vary by location. Upon successful completion of training, employees will transition to an eight-hour work shift ranging between 8:00 am – 5:30 pm (local time) Monday to Friday with availability for occasional evenings and weekends based on business needs.