Inside Desk Property Claims Adjuster

usaa; United States; Hybrid; USD 34,000 - 48,000; Full time

Job summary

USAA is hiring a Property Adjuster for desk-based evaluation, negotiation, and settlement of low-to-moderate complexity property claims. The role emphasizes analyzing coverage, leveraging virtual tools and Xactimate, with paid overtime and a ~12-week training program.

The position is hybrid, requiring in-office presence 3 days per week at a selected US location (San Antonio, Phoenix, Colorado Springs, Chesapeake, Tampa). Relocation is not offered.

Qualifications

• 1+ years relevant property adjusting claims of moderate complexity.
• 1 year of customer service, military leadership, construction related industry/insurance experience and/or experience handling low complexity property claims.
• Knowledge of estimating losses using Xactimate or similar tools and platforms.

Responsibilities

• Proactively manages assigned claims caseload comprised of claims with low to moderate complexity damages.
• Partners with vendors and internal business partners to facilitate low to moderate complexity claims resolution.
• 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 and negotiates low to moderate complexity claims settlement.
• Maintains accurate, thorough, and current claim file documentation throughout the claims process.
• Applies knowledge of estimating technology platforms and virtual inspection tools to prepare and manage low to moderate complexity property insurance claims estimates.

Skills

Negotiation

Investigation

Communication

Conflict resolution

Customer service

Estimating tools

Education

High school diploma or GED

Tools

Xactimate

Job description

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. 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.

The Opportunity

As a dedicated Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims. You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. You will recognize and empathize with members' life events, as appropriate.

This hybrid role requires an individual to be in the office 3 days per week . This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Colorado Springs, CO, Chesapeake, VA or Tampa Crosstown, FL. Relocation assistance is not available for this position.

This is an experienced desk based Property Adjuster role working in 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 to 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.

What you'll do:

• Proactively manages assigned claims caseload comprised of claims with low to moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate low to moderate complexity 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. May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics.
• Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. Determines coverage through analyzing investigation information involving low to moderate complexity policy terms and contingencies.
• Determines and negotiates low to moderate complexity claims settlement.
• Coordinates with management for guidance on assessing settlement amounts outside of authority limits to support managing claims outcomes.
• Maintains accurate, thorough, and current claim file documentation throughout the claims process.
• Applies knowledge of estimating technology platforms and virtual inspection tools to prepare and manage low to moderate complexity property insurance claims estimates.
• Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.
• 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.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• High School Diploma or General Equivalency Diploma.
• 1+ years relevant property adjusting claims of moderate complexity
• 1 year of customer service, military leadership, construction related industry/insurance experience and/or experience handling low complexity property claims. Knowledge of estimating losses using Xactimate or similar tools and platforms.
• Demonstrated negotiation, investigation, communication, and conflict resolution skills.
• Working knowledge and understanding of claims contracts as well as application of case law and state laws and regulations.
• Ability to prioritize and multi-task, including navigating through multiple business applications.
• May need to travel up to 25% 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.

What sets you apart:

Experience desk adjusting residential property claims to