Property Claims Adjuster Specialist - Desk

About the role

The Opportunity at USAA is to serve as a Property Adjuster Specialist. This role involves managing complex property insurance claims, negotiating equitable settlements, and ensuring compliance with state regulatory requirements.

Responsibilities

• Proactively manages assigned claims caseload comprised of complex damages requiring knowledge of claims coverage, including potential legal liability.
• Partners with vendors and internal business partners to facilitate complex claims resolution.
• Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources.
• Identifies and resolves 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 those 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 (GED).
• 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.
• Five years of prior 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 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.
• Experience handling Property Mitigation.
• Currently hold an active Adjuster License.
• Currently reside in the Eastern Time Zone.

Skills

• Highly competitive products, exceptional service, and trusted advice.
• Empathy and recognition of 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.
• Advanced 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.

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 - $133,620.

Schedule

This desk-based/non-inspect role for the Eastern Time Zone 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.