Inside Property Adjuster - Theft Team

About the role

As a dedicated Property Adjuster - Theft, you will work within defined guidelines and framework to investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims. You will confirm/analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with all state regulatory requirements. This role recognizes and empathizes with members' life events, as appropriate.

The Property Theft team is looking for self-driven, accountable property adjusters with strong de-escalation skills and the ability to work closely with the Special Investigation Unit (SIU). This role is remote eligible in the 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 three days per week.

Responsibilities

• Proactively manage an assigned claims caseload of low to moderate complexity, requiring commensurate knowledge and understanding of claims coverage.
• Partner with vendors and internal business partners to facilitate low to moderate complexity claims resolution, including external regulatory coordination to ensure compliance.
• Investigate claim damages by conducting research from various sources, including the insured, third parties, and external resources. Identify and resolve potential discrepancies and subrogation potential.
• Identify coverage concerns, review prior loss history, and determine/create SIU referrals when appropriate.
• Determine coverage by analyzing investigation information involving low to moderate complexity policy terms and contingencies.
• Negotiate and settle low to moderate complexity claims.
• Coordinate with management for guidance on assessing settlement amounts outside of authority limits.
• Maintain accurate, thorough, and current claim file documentation throughout the claims process.
• Apply knowledge of estimating technology platforms and virtual inspection tools to prepare and manage low to moderate complexity property insurance claims estimates.
• Recognize and address jurisdictional challenges such as applicable legislation and construction considerations.
• 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 higher complexity, and may be assigned additional work outside normal duties as needed.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Requirements

• High School Diploma or General Equivalency Diploma.
• 1 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

What sets you apart:

• 1+ years of experience with Guidewire ClaimCenter.
• 1+ years of experience with Lexis Nexus Accurint.
• 1+ years of experience with ISO (Insurance Services Office).
• 1+ years of experience with SIU (Special Investigation Unit).
• SCLA or FCLA Designation.
• Bachelor's Degree.

Physical Demand Requirements

• May require the ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces beneath homes.
• May need to meet all USAA safe driving requirements, including verification of driving record through MVR and possession of a valid driver's license.
• May require the ability to lift a minimum of 35 pounds, including lifting a ladder in and out of the trunk of a car.
• May require the ability to climb ladders and traverse roofs, including working at heights while inspecting roofs and attics.

Pay

The salary range for this position is $59,760 - $100,850. USAA does not provide visa sponsorship for this role.

Benefits

At USAA, 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) and pension plans.
• Life insurance.
• Parental benefits and adoption assistance.
• Paid time off program with paid holidays plus 16 paid volunteer hours.
• Various wellness programs.
• Career path planning and continuing education to assist with professional goals.