Property General Claims Adjuster - Field

usaa; Los Angeles (CA); On-site; USD 55,000 - 83,000; Full time

Job summary

USAA is seeking a dedicated Property General Adjuster to investigate, evaluate, negotiate and settle highly complex property insurance claims. This field-based role requires up to 75% travel and residence in Los Angeles or San Diego, CA.

You will verify coverage, assess liability, and negotiate settlements within regulatory guidelines. The ideal candidate will have a P&C license, 4 years of property claims experience, and strong skills in negotiation, investigation, and communication.

Qualifications

• High School Diploma or GED required.
• 4 years' property claims adjusting experience, including high-complexity cases.
• 2 years' dwelling claims handling experience.
• P&C adjuster license required within 90 days of hire.
• Proficient with Xactimate estimating.
• Advanced knowledge of property claims contracts and case law.
• Ability to travel 50–75% of the year, local and non-local.

Responsibilities

• Manages a caseload of highly complex property claims.
• Collaborates with vendors and internal partners to resolve claims.
• Conducts extensive evaluation and settlement determinations.
• Serves as a resource for less-experienced staff on complex cases.
• Determines coverage through analysis of policy terms.
• Communicates with insureds about coverage and settlement considerations.
• Identifies coverage concerns and refers SIU when appropriate.
• Maintains accurate claim files with critical documentation.
• Utilizes estimating platforms to prepare loss estimates.
• Supports CAT operations and surge workloads.

Skills

Negotiation

Investigation

Communication

Conflict resolution

Travel readiness

Education

High School Diploma

P&C Adjuster License

Xactimate Certification

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 General Adjuster, you will work within defined guidelines and framework to investigate, evaluate, negotiate and settle the highest complexity property insurance claims presented by or against our members. 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. 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 and the desire candidate needs to residing within Los Angeles or San Diego, CA . Candidates currently living in this location or willing to self-relocate are encouraged to apply.

What you’ll do:

• Manages assigned claims caseload comprised of claims with highest complexity damages that require considerable knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate highest complexity claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance.
• Extensive evaluation for highly complex claims, involving lengthy research and determination of settlement. Proactively identifies and engages in additional confirmation of potential discrepancies resulting from research involving complicated situations.
• Serves as a resource for less experience staff on complicated claim situations.
• Determines coverage through analyzing extensive information involving highly complex policy terms, including claim resolution.
• Communicates with insured about coverage or any issues that involve additional information or considerations regarding settlement amount.
• Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate.
• Determines and negotiates highly complex settlement. Makes recommendations to management for settlement amounts outside of authority limits.
• Maintains accurate and current claim file with critical documentation throughout the claims process for highly complex.
• Proficient knowledge of estimating technology platforms. Utilizes platforms to prepare claims estimates in order to manage complex property insurance claims.
• Serves as subject matter expert for claims handling.
• Supports workload surges and/or Catastrophe (CAT) operations........
• Works on credit pattern copies.. ]
• 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.
• 4 years' relevant property claims adjusting experience that includes writing estimates of moderate-highly complex claims and field adjusting experience.
• 2 years' experience handling dwelling claims.
• Successfully acquire Property & Casualty (P&C) adjuster license and state registrations within 90 days of hire.
• Proficient knowledge of Xactimate or similar estimating platform. Expert knowledge estimating losses of moderate complexity.
• Advanced knowledge of property claims contracts and interpretation of case law.
• Proficient knowledge of residential construction.
• Demonstrated negotiation, investigation, communication and conflict resolution skills.
• Ability to travel 50-75% of the year (local & non-local) and/or work catastrophe duty when needed.

What sets you apart:

• General Adjuster experience with a Standard Insurance Carrier
• 5+ years of Property field adjuster experience handling large loss, heavy structure claims and ALE management
• 5+ years of experience handling dwelling claims in the field
• Xactimate Level 2 certification
• Insurance Industry designations such as CPCU, AIC, SCLA, AINS
• Currently hold an active P&C Adjuster License
• Currently reside or able to sel