Property General Adjuster - Field

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. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members.

Responsibilities

• Manages assigned claims caseload comprised of claims with highest complexity damages that require considerable knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate highest complexity claims resolution.
• May also involve external regulatory coordination to ensure appropriate documentation and compliance.
• Extensive evaluation for highly complex claims, involving lengthy research and determination of settlement.
• Proactively identifies and engages in additional confirmation of potential discrepancies resulting from research involving complicated situations.
• Serves as a resource for less experienced staff on complicated claim situations.
• Determines coverage through analyzing extensive information involving highly complex policy terms, including claim resolution.
• Communicates with insured about coverage or any issues that involve additional information or considerations regarding settlement amount.
• Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate.
• Determines and negotiates highly complex settlement. Makes recommendations to management for settlement amounts outside of authority limits.
• Maintains accurate and current claim file with critical documentation throughout the claims process for highly complex.
• Utilizes platforms to prepare claims estimates in order to manage complex property insurance claims.
• Serves as a subject matter expert for claims handling.
• Supports workload surges and/or Catastrophe (CAT) operations as needed to include working significant overtime; may require deployment travel during designated CATs.
• Solves complex problems with minimal guidance; acts as a resource for colleagues with less experience.
• May require travel to resolve claims 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

• High School Diploma or General Equivalency Diploma required.
• 4 years’ relevant property claims adjusting experience that includes writing estimates of moderate-highly complex claims and field adjusting experience.
• 2 years’ experience handling dwelling claims.
• Successfully acquire Property & Casualty (P&C) adjuster license and state registrations within 90 days of hire.
• Proficient knowledge of Xactimate or similar estimating platform.
• Expert knowledge estimating losses of moderate complexity.
• Advanced knowledge of property claims contracts and interpretation of case law.
• Proficient knowledge of residential construction.
• Demonstrated negotiation, investigation, communication and conflict resolution skills.
• Ability to travel 50-75% of the year (local & non-local) and/or work catastrophe duty when needed.

Qualifications

• General Adjuster experience with a Standard Insurance Carrier.
• 5+ years of Property field adjuster experience handling large loss, heavy structure claims and ALE management.
• 5+ years of experience handling dwelling claims in the field.
• Xactimate Level 2 certification.
• Insurance Industry designations such as CPCU, AIC, SCLA, AINSC.
• Currently hold an active P&C Adjuster License.
• Currently reside or able to self-relocate withing a 3-hour radius of Birmingham, AL and 1 hour from a major airport.

Skills

• Knowledge of property claims contracts and interpretation of case law.
• Expertise in Xactimate or similar estimating platform.
• Strong negotiation and communication skills.
• Ability to work independently and solve complex problems.
• Experience with residential construction.

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: $82,420.00 - $162,550.00

Schedule

This is an hourly, non-exempt position with paid overtime available. This is a field-based role and the desire candidate needs to residing within a 3-hour radius of Birmingham, AL and 1 hour from a major airport.