Inside Property Claims Adjuster - Theft Team

About the role

As a dedicated Property Claims Adjuster - Theft, you will work within defined guidelines and frameworks to investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims. You will confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with all state regulatory requirements. This role emphasizes empathy with members' life events and requires strong de-escalation skills and collaboration with the Special Investigation Unit (SIU). The position is remote-eligible in the continental U.S. with occasional business travel. 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 of claims coverage.
• Partner with vendors and internal business partners to facilitate resolution of low to moderate complexity claims, including external regulatory coordination for compliance.
• Investigate claim damages by conducting research from various sources, including the insured, third parties, and external resources. Identify and resolve discrepancies and subrogation potential.
• Identify coverage concerns, review prior loss history, and create Special Investigation Unit (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 property insurance claims estimates.
• Address jurisdictional challenges, such as applicable legislation and construction considerations.
• Support workload surges and catastrophe (CAT) response operations, including mandatory on-call dates and potential evening, weekend, or holiday work.
• May be assigned CAT deployment travel with minimal notice during designated events.
• Handle various types of claims, including those of higher complexity, and perform additional duties as needed.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies.

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, 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 and non-local) and/or work catastrophe duty when needed.
• Acquisition and maintenance of an insurance adjuster license within 90 days and 3 attempts.

Qualifications

• 1+ years of experience with Guidewire ClaimCenter.
• 1+ years of experience with LexisNexus 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.
• Must 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 a car trunk.
• 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. Compensation is based on experience and market data of the position. The actual salary may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance at the discretion of the USAA Board of Directors.

USAA does not provide visa sponsorship for this role.

Benefits

• 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.