Property Claims Adjuster Specialist - Field

USAA Life Insurance Company; Brunswick (GA); On-site; USD 34,000 - 55,000; Full time

Job summary

USAA Life Insurance Company in Georgia seeks a Field Property Adjuster Specialist to investigate, evaluate, negotiate, and settle complex property claims within established guidelines. This is an hourly, non-exempt role with overtime and a virtual-first approach, plus a company vehicle for on-site inspections in the St.

Marys/Kingsland area. The role requires travel 50-75% of the year, strong knowledge of estimating tools (Xactimate), and licensing within 90 days.

Qualifications

• High School Diploma or GED required.
• 2 years of property claims adjusting experience with moderate complexity.
• Advanced estimating knowledge using Xactimate or similar tools.
• Residential construction knowledge and exposure to policy terms.
• Strong negotiation, investigation and communication skills.
• Willingness to travel 50-75% and obtain adjuster license within 90 days.

Responsibilities

• Manage a caseload of complex damages within set authority.
• Collaborate with vendors and internal partners for settlements.
• Investigate damages using insured, third parties and external sources.
• Assess coverage and subrogation potential as needed.
• Negotiate settlements and document outcomes thoroughly.
• Maintain accurate claim files and leverage estimating tech.
• Support CAT response and on-call requirements, including evenings/weekends.

Skills

High School Diploma

Property claims experience

Xactimate

Estimating tools

Residential construction knowledge

Contracts & state laws knowledge

Negotiation & conflict resolution

Investigative & analytical skills

Travel 50-75%/year

Adjuster license within 90 days

Education

High School Diploma or GED

Tools

Xactimate

Estimating platforms

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 Specialist , you will work within established guidelines and framework to investigate, evaluate, negotiate, and settle complex property insurance claims presented by or against our members. You will confirm and analyzes coverage, recognize liability exposure and negotiate equitable settlements 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. 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.

This is a field‑based role for the territory of St. Marys/Kingsland, GA . Candidates currently living in this location or willing to self‑relocate are encouraged to apply.

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:

• High School Diploma or General Equivalency Diploma required.


• 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 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.

What sets you apart:

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


• 5 years of prior