Senior Personal Property Claims Adjuster - Field

USAA Life Insurance Company; Atlanta (GA); Hybrid; USD 39,000 - 52,000; Full time

Benefits offered by this job

Company vehicle

Job summary

USAA Life Insurance Company is seeking a Senior Field Property Adjuster in Georgia. This role investigates, analyzes, negotiates, and settles complex property claims for our members, with a remote-first approach and extensive field inspections supported by a company vehicle.

Travel may occur within and beyond the local territory to support claims handling. The position requires a strong knowledge of coverage, estimation, and regulatory requirements, along with the ability to manage moderate to

Qualifications

• High School Diploma or GED required.
• 2 years relevant property adjusting or claims adjusting experience.
• Developing knowledge of residential construction.
• Working knowledge of estimating losses using Xactimate or similar tools.
• Demonstrated negotiation, investigation, communication, and conflict resolution skills.
• Working knowledge of property claims contracts and state laws and regulations.
• Proficiency in prioritizing and multitasking across multiple applications.
• Willingness to travel up to 50% and perform catastrophe duties when needed.
• License to adjust insurance claims within 90 days and up to 3 attempts.

Responsibilities

• Proactively manages assigned claims caseload with moderate complexity.
• Coordinate with vendors and internal partners to resolve claims; assist regulatory coordination as needed.
• Investigate damages using various sources and identify discrepancies or subrogation potential.
• Assess coverage, review prior loss history, and refer to SIU when appropriate.
• Develop settlement recommendations and collaborate with management on amounts beyond authority.
• Maintain accurate claim file documentation throughout the process.
• Use estimating and virtual inspection tools to prepare claims estimates for moderate complexity property claims.
• Apply industry standards for inspection, damage mitigation, and restoration.

Skills

Negotiation

Investigation

Communication

Conflict resolution

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 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. 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.

Field Property Adjusters 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.

We have a positions available for an experienced Senior Field Property Adjusters with large loss specializing in Contents for the state of Georgia . 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 claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate 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 moderate complexity policy terms and contingencies.
• Determines and negotiates moderate complexity claims settlement. 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.
• Applies proficient knowledge of estimating technology platforms and virtual inspection tools; Utilizes platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims.
• Applies working knowledge of industry standards of inspection, damage mitigation and restoration techniques.
• Serves as an informal resource for team members.
• 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.
• 2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience.
• Developing knowledge of residential construction.
• Working knowledge of estimating losses using Xactimate or similar tools and platforms.
• Demonstrated negotiation, investigation, communication, and conflict resolution skills.
• 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.

What sets you apart:

• Prior experience adjusting proper