Property Specialist Adjuster

Why USAA?

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. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.
As a dedicated Property Adjuster Specialist, you will work within defined guidelines and framework, 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. Property Adjuster Specialist focus on using technology and desk adjusting for a virtual first approach to inspections and claims handling. 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 and CAT pay available.
This is a local field-based role in the Denver, CO area. 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.

Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. 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.

Advance 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.

Adjusts complex claims with attorney involvement.

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.

High School Diploma or General Equivalency Diploma.

~2 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 property claims contracts and interpretation of case law and state laws and regulations.

~ 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.

~ Experience on a Property Catastrophe team handling inside or field claims (i.e. wind, hail, hurricane, flooding)

Experience adjusting large loss complex property claims caused by catastrophic events

Residential property adjusting experience handling DWG, APS and ALE adjustments

Experience working directly for a standard insurance carrier handling claims from start to finish (first notice of loss, reviewing policy, making coverage decisions).

Estimate writing skills using Xactimate, ClaimX or virtual estimating

Xactimate level 1 and/or level 2 certification

Insurance Industry designations such as AINS, CPCU, AIC, SCLA

Currently hold an active P&C Adjuster license

Available to work extended hours to support CAT claims

US military experience through military service or a military spouse/domestic partner

May require the ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a car.

Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).
Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
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), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.