Senior Property Adjuster - Remote

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 Senior Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate and settle complex property insurance claims presented by or against our members. 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.However, 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 Chesapeake, VA, Colorado Springs, CO, Phoenix, AZ, San Antonio, TX and Tampa, FL. Relocation assistance is not available for this position.

The Inside Senior Property Adjuster role is a telephone concentrated environment without physical inspection of loss. This is an hourly, non-exempt position with paid overtime available. Training will be approximately 12 weeks, Monday Friday and hours may vary by location. Upon successful completion of training, employees will transition to an eight-hour work shift ranging between 8:00 am 5:30 pm (local time) Monday to Friday with availability for occasional evenings and weekends based on business needs.

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. 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 manages 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.

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.

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.
• Working knowledge of estimating losses using Xactimate or similar tools and platforms.
• 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.

Experience handling water loss claims including water mitigation, water loss estimating and reconciliation.

Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies (Hosta, Hover, Xactimate, ClaimsX).

Experience handling large loss complex claims (i.e., water, vandalism, malicious mischief, foreclosures, earth movement, appraisal, collapse, etc.).

Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement).

Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing).

Proficiency in Xactimate (Level 1 and/or Level 2 certification).

Experience in a call center environment.

Currently hold an active Adjuster License.

Bachelors degree.

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.