Inside Property Adjuster Specialist - Desk Claims

USAA Life Insurance Company; United States; Híbrido; USD 34.000 - 55.000; Tempo integral

Resumo da vaga

USAA Life Insurance Company seeks a Property Adjuster Specialist to investigate, evaluate, negotiate, and settle complex property claims. This desk-based, non-inspection role emphasizes virtual estimating for dwelling losses and allows remote eligibility with hybrid requirements.

The ideal candidate has 2 years of moderate-complexity claims experience, Xactimate proficiency, and a licensed adjuster within 90 days. Some Travel may be required, including CAT deployments.

Qualificações

• 2 years of property claims adjusting experience with moderate complexity losses.
• Advanced estimating using Xactimate or similar tools.
• Proficient knowledge of residential construction and contracts.

Responsabilidades

• Proactively manages assigned claims caseload with complex damages.
• Investigates damages, reviews coverage, and negotiates settlements.
• Collaborates with vendors and internal teams for resolution.
• Maintains thorough claim documentation and supports CAT operations.
• Adjusts complex claims and may require travel or on-call duties.

Conhecimentos

Property claims adjusting

Xactimate

Residential construction

Negotiation

Investigation

Travel flexibility

Formação

Insurance adjuster license

Ferramentas

Xactimate software

Descrição da vaga

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 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. Recognizes and empathizes with members' life events, as appropriate.

This is a desk-based, non-inspection role. The ideal candidate has strong virtual estimating skills for complex dwelling losses and can reconcile estimates in a telephone-focused environment without physically inspecting the loss. This is an hourly, non-exempt position with paid overtime available.

This role is remote eligible for candidates located in or willing to self-relocate to the Pacific, Mountain or Central time zones within the continental U.S. Individuals residing within a 60-mile radius of a USAA office are expected to work on-site three days per week.

What you'll do:

• 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.
• 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 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.
• Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience.
• Adjusts complex claims with attorney involvement.
• Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.
• 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.

What you have:

• 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 residential construction.
• Proficient knowledge of property claims contracts and interpretation of case law and state laws and regulations.
• Proficient negotiation, investigation, communication, and conflict resolution skills.
• Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.
• Ability to travel and/or work catastrophe duty when needed.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

What sets you apart:

• Advanced claims adjusting experience for complex, higher-severity losses, such as dwelling and structure damage, large water, mitigation, fire and ALE.
• Experience adjusting desk-based property claims using