Property Adjuster Specialist - Field Claims

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 Specialist, you will work within defined guidelines and framework, investigating, evaluating, negotiating, and settling complex property insurance claims. 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.

Responsibilities

• Proactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability.
• Partners with vendors and internal business partners to facilitate complex 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 information involving complex policy terms and contingencies.
• Determines and negotiates complex claims settlement within authority limits.
• Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes.
• Maintains accurate, thorough, and current claim file documentation throughout the claims process.
• Advances knowledge of estimating technology platforms and virtual inspection tools.
• Utilizes platforms and tools to prepare claims estimates to manage complex property insurance claims.
• 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.
• May be assigned CAT deployment travel with minimal notice during designated CATs.
• Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
• Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience.
• Adjusts complex claims with attorney involvement.
• Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.
• May require travel to resolve claims, attend training, 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.

Requirements

• A high school diploma or general equivalency diploma.
• Two years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.
• Advanced knowledge of estimating losses using Xactimate or similar tools and platforms.
• Proficient knowledge of residential construction.
• Proficient knowledge of property claims contracts and interpretation of case law and state laws and regulations.
• Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.
• Ability to travel 50-75% 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.
• Successful completion of a job-related assessment may be required.

Qualifications

• US military experience through military service or a military spouse/domestic partner.
• Two years of prior field experience handling higher severity/complex losses (i.e. vandalism, malicious mischief, foreclosures, earth movement, collapse, liability, etc.).
• Prior experience adjusting property claims using virtual technologies.
• Property field adjuster experience handling DWG, APS and ALE adjustments.
• Industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing).
• Xactimate Level 1 and/or Level 2 certification.

Skills

• Highly competitive products, exceptional service and trusted advice.
• Empathy towards members' life events.
• Knowledge of claims coverage, potential legal liability, and state laws and regulations.
• Advanced knowledge of estimating losses using Xactimate or similar tools and platforms.
• Proficient knowledge of residential construction.
• Proficient knowledge of property claims contracts and interpretation of case law and state laws and regulations.
• Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.
• Ability to travel 50-75% 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.
• Successful completion of a job-related assessment may be required.
• Industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing).
• Xactimate Level 1 and/or Level 2 certification.

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: $69,920.00 - $133,620.00.

Schedule

This is an hourly, non-exempt position with paid overtime available. This is a local field-based role for the Birmingham, AL area.