Inside Senior Property Claims Adjuster

About the role

The Opportunity at USAA is to manage assigned claims caseloads with moderate complexity, investigate, evaluate, negotiate, and settle property insurance claims. This role involves working within defined guidelines and frameworks, collaborating with vendors and internal business partners, and ensuring compliance with state regulatory requirements.

Responsibilities

• Proactively manage assigned claims caseload comprised of claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
• Partner with vendors and internal business partners to facilitate moderate complexity claims resolution.
• Investigate claim damages by conducting research from various sources, including the insured, third parties, and external resources.
• Determine coverage through analyzing investigation information involving moderate complexity policy terms and contingencies.
• Determine and negotiate moderate complexity claims settlement.
• Maintain accurate, thorough, and current claim file documentation throughout the claims process.
• Apply proficient knowledge of estimating technology platforms and virtual inspection tools.
• 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.
• 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.
• 2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience.
• Developing knowledge of residential construction.
• Working knowledge of estimating losses using Xactimate or similar tools and platforms.
• Demonstrated negotiation, investigation, communication, and conflict resolution skills.
• Proficient in prioritizing and multi-tasking, including navigating through multiple business applications.
• May need to travel up to 50% 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

• Experience handling water loss claims including water mitigation, water loss estimating and reconciliation.
• Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies (Hosta, Hover, Xactimate, ClaimsX).
• Experience handling large loss complex claims (i.e., water, vandalism, malicious mischief, foreclosures, earth movement, appraisal, collapse, etc.).
• Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement).
• Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing).
• Proficiency in Xactimate (Level 1 and/or Level 2 certification).
• Experience in a call center environment.
• Currently hold an active Adjuster License.
• Bachelor’s degree.
• US military experience through military service or a military spouse/domestic partner.

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.

Pay

The salary range for this position is: $63,590 - $121,530.

Schedule

This hybrid role requires an individual to be in the office 3 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Colorado Springs, CO, Tampa, FL or Chesapeake, VA.