Property Adjuster Specialist - Specialty Claims

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. Embrace a fulfilling career where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

About the role

As a dedicated Property Adjuster Specialist, you will work within defined guidelines and framework to investigate, evaluate, negotiate, and settle complex property insurance claims. You will confirm/analyze coverage, recognize liability exposure, and negotiate equitable settlement in compliance with all state regulatory requirements. This role is remote eligible in the continental U.S., though individuals residing within a 60-mile radius of a USAA office will be expected to work on-site three days per week. USAA office locations are San Antonio, TX; Phoenix, AZ; Colorado Springs, CO; Chesapeake, VA; or Tampa, FL. Relocation assistance is not available for this position.

The ideal candidate will possess strong virtual estimating skills for complex Condo claims, determine liability and litigation, and reconcile estimates while working in a telephone-concentrated environment without physical inspection of loss.

Responsibilities

• Proactively manage an assigned claims caseload of complex damages requiring commensurate knowledge of claims coverage, including potential legal liability.
• Partner with vendors and internal business partners to facilitate complex claims resolution, including external regulatory coordination for documentation and 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, determine and create Special Investigation Unit (SIU) referrals when appropriate.
• Determine coverage by analyzing information involving complex policy terms and contingencies.
• Negotiate complex claims settlement within authority limits; develop recommendations and collaborate with management for settlements outside authority limits.
• Maintain accurate, thorough, and current claim file documentation throughout the claims process.
• Utilize estimating technology platforms and virtual inspection tools to prepare claims estimates for complex property insurance claims.
• 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 CATs.
• Work various types of claims, including higher complexity, and may be assigned additional work outside normal duties as needed.
• Work independently solving complex problems with minimal guidance; act as a resource for colleagues with less experience.
• Adjust complex claims with attorney involvement.
• Recognize and address jurisdictional challenges such as applicable legislation and construction considerations.
• May require travel to resolve claims, attend training, and conduct in-person inspections.
• 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.
• 2 years of relevant property claims adjusting experience of moderate complexity losses, including writing estimates for 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.
• Proficient negotiation, investigation, communication, and conflict resolution skills.
• 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

• 2+ years of experience handling complex Condo, litigation, and liability claims.
• Experience desk adjusting property claims involving DWG, APS, and ALE using virtual technologies such as ClaimXperience, Hover, or EagleView.
• File ownership of claim from start to finish.
• Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing).
• Xactimate Level 1 and/or Level 2 certification.
• Currently hold an active Adjuster License.
• Bachelor’s degree.
• Call center experience in a telephone-concentrated environment.
• Experience working directly for a standard insurance carrier.

Pay

The salary range for this position is $69,920 - $125,850. 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.