Inside Property Adjuster - CAT Claims

About the role

As a dedicated Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims. 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. This role is remote eligible in the continental U.S. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site three days per week. USAA office locations are San Antonio, TX, Phoenix, AZ Colorado Springs, CO, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. This is an experienced desk Property Adjuster claims role. The ideal candidate will possess strong virtual estimating skills for low to moderate severity losses and/or reconcile estimates while working in a telephone concentrated environment without physical inspection of loss. Typical work schedules are between 9:00 am - 5:00 pm (local time) Monday to Friday, with potential to work extended hours to support CAT claims. This is a hourly, non-exempt position with overtime and CAT pay opportunities.

Responsibilities

• Proactively manages assigned claims caseload comprised of claims with low to moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate low to 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 low to moderate complexity policy terms and contingencies.
• Determines and negotiates low to moderate complexity claims settlement.
• Coordinates with management for guidance on assessing settlement amounts outside of authority limits to support managing claims outcomes.
• Maintains accurate, thorough, and current claim file documentation throughout the claims process.
• Applies knowledge of estimating technology platforms and virtual inspection tools to prepare and manage low to moderate complexity property insurance claims estimates.
• 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.
• 1 year of experience handling low complexity property claims and/or customer service, military leadership, construction related industry/insurance experience .
• Knowledge of estimating losses using Xactimate or similar tools and platforms.
• Demonstrated negotiation, investigation, communication, and conflict resolution skills.
• Working knowledge and understanding of claims contracts as well as application of case law and state laws and regulations.
• Ability to prioritize and multi-task, including navigating through multiple business applications.
• May need to travel up to 25% 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:
• 1+ years of residential property adjusting of moderate complexity claims
• 1+ years of estimate writing ski

Benefits

Additional Information

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.

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