Senior Personal Property Claims Adjuster - Field

usaa; Cleveland (OH); On-site; USD 39,000 - 61,000; Full time

Benefits offered by this job

Company vehicle

Job summary

USAA is seeking a Senior Field Property Adjuster in the Cleveland, OH area. This role handles complex property insurance claims, verifies coverage, negotiates settlements, and maintains meticulous claim files. A virtual-first approach and a company vehicle support onsite inspections within the local territory, with potential travel for out-of-area responses.

Overtime is paid and flexibility may apply. Candidates will typically have 2+ years of property adjusting experience, knowledge of

Qualifications

• High School Diploma or GED.
• 2 years property adjusting/claims adjusting experience with moderately complex claims.
• Knowledge of residential construction.
• Experience estimating losses using Xactimate or similar tools.
• Strong negotiation, investigation, communication and conflict resolution skills.
• Knowledge of property claims contracts, and applicable state laws and regulations.
• Ability to multi-task and travel up to 50% (local and non-local).
• Licensure as an insurance adjuster within 90 days and up to 3 attempts.

Responsibilities

• Manages assigned claims caseload with moderate complexity.
• Coordinates with vendors and internal partners to resolve claims; may coordinate with regulators.
• Investigates damages from insureds, third parties, and external resources; identifies discrepancies and subrogation potential.
• Analyzes coverage and loss history; refers to SIU as appropriate.
• Negotiates settlements up to authority limits and documents outcomes.
• Maintains thorough claim files and uses estimating tech to prepare claims.
• Applies industry standards for inspection and restoration, supports CAT operations as needed.

Skills

Negotiation

Investigation

Communication

Conflict resolution

Property claims contracts

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 Cleveland, OH area. 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 prope