Senior Personal Property Claims Adjuster - Field

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. Be part of what truly makes us special and impactful. We are proud to support active-duty military spouses. 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 Senior Property Adjuster, you will work within defined guidelines and framework to investigate, evaluate, negotiate, and settle complex property insurance claims presented by or against our members. You will confirm/analyze coverage, recognize liability exposure, and negotiate equitable settlement in compliance with all state regulatory requirements. Field Property Adjusters focus on using technology and desk adjusting for a virtual-first approach to inspections and claims handling. USAA also provides a company vehicle to physically inspect losses within your locally assigned territory. Field Adjusters may travel outside of their local territory to respond to claims in other regions when needed. This is an hourly, non-exempt position with paid overtime available.

We have positions available for experienced Senior Field Property Adjusters with large loss specializing in Contents for the Phoenix, AZ area. Candidates currently living in this location or willing to self-relocate are encouraged to apply.

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. May also involve external regulatory coordination to ensure appropriate documentation and compliance.
• Investigate claim damages by conducting research from various sources, including the insured, third parties, and external resources. May identify and resolve potential discrepancies and identify subrogation potential resulting from unusual characteristics.
• Identify coverage concerns, review prior loss history, determine and create Special Investigation Unit (SIU) referrals when appropriate. Determine coverage through analyzing investigation information involving moderate complexity policy terms and contingencies.
• Determine and negotiate moderate complexity claims settlement. Develop recommendations and collaborate with management for determining settlement amounts outside of authority limits and accurately manage claims outcomes.
• Maintain accurate, thorough, and current claim file documentation throughout the claims process.
• Apply proficient knowledge of estimating technology platforms and virtual inspection tools; utilize platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims.
• Apply working knowledge of industry standards of inspection, damage mitigation, and restoration techniques.
• Serve as an informal resource for team members.
• Recognize and address jurisdictional challenges such as applicable legislation and construction considerations.
• 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.
• May be assigned CAT deployment travel with minimal notice during designated CATs.
• Work various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
• 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.
• Working knowledge of property claims contracts and interpretation of case law and state laws and regulations.
• 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

• Prior experience adjusting property claims using virtual technologies such as ClaimsXperience.
• Prior advanced knowledge of Xactcontents.
• Prior experience handling Contents only in higher severity/complex Large Loss claims.
• Bachelor’s degree.
• Industry designations such as CPCU, AIC, SCLA.
• Currently reside within or have the ability to self-relocate within Phoenix, AZ.
• Currently hold an active Adjuster License.
• US military experience through military service or as a military spouse/domestic partner.

Physical Demand Requirements

• May require the ability to crouch and stoop to inspect confined spaces, including attics and 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, including lifting a ladder in and out of the trunk of a car.
• May require the ability to climb ladders and traverse roofs, including the ability to work at heights while inspecting roofs and attics.

Pay

The salary range for this position is $63,590.00 - $121,530.00. USAA does not provide visa sponsorship for this role.

Benefits

At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include:

• 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 employees with their professional goals.