Auto Appraiser (Photo)

USAA•Washington Metro, VA

4d•Remote

About The Position

As a dedicated Auto Appraiser, you will investigate, negotiate, evaluate, and appraise vehicle damage claims for repairable and total loss vehicles within defined guidelines and frameworks. You will ensure estimate accuracy and compliance with state laws and regulations while delivering exceptional member service through clear expectations, proactive communication, advice, and empathy. This is a remote role for candidates able to work in the Washington, Metro, Virginia area. Relocation assistance is not available. The role uses digital tools to evaluate simple and moderately complex auto physical damage claims. You will work with insured members, internal claims adjusters, and third parties or vendors, and may interact with them face-to-face. You will maintain accurate claim documentation, manage desk workloads and follow-ups, assess repair plans and timelines, and review additional damages submitted by repair facilities. You may support catastrophe response operations, including mandatory on-call dates, travel on minimal notice, and evening, weekend, or holiday work. The role may also involve higher-complexity claims and other work outside normal duties. USAA’s mission is to empower members to achieve financial security through competitive products, exceptional service, and trusted advice, with a focus on serving the military community and their families. The company emphasizes honesty, integrity, loyalty, and service and supports active-duty military spouses. USAA does not provide visa sponsorship for this role.

Requirements

High school diploma or General Equivalency Diploma.
At least 1 year of auto appraising experience.
Progressive knowledge of P&C insurance policy contracts and coverages, the auto parts distribution process, and claim appraisal processes and procedures.
Working knowledge of estimating losses using CCC or similar estimating platforms.
Acquire and maintain an insurance adjuster license within 90 days and within 3 attempts.
Ability to work in the Washington, Metro, Virginia area.
May be required to meet USAA safe-driving requirements, including verification of driving record through MVR and possession of a valid driver's license.

Nice To Haves

Active Texas All-Lines Adjusters License.
Experience as a Field Auto Appraiser with a P&C insurance carrier.
Experience and ability to prepare estimates and evaluations using the CCC estimating platform.
Experience and ability to balance accurate collision repair estimates in virtual and field environments.
Experience completing estimates on exotic and electric vehicles.
Completed designations such as I-CAR Platinum or ASE.

Responsibilities

Evaluate and appraise simple and moderately complex auto physical damage claims using digital tools and in accordance with contract terms, corporate guidelines, and applicable state laws and regulations.
Investigate claim damages by communicating with insured members, internal claims adjusters, and third parties or vendors; face-to-face interactions may be required.
Review facts of loss and vehicle damage to identify potential subrogation opportunities and ensure supporting physical damage documentation is included in the claim.
Apply knowledge of P&C insurance products, services, contracts, and internal processes, systems, and procedures to ensure compliance with laws, regulations, and policy provisions.
Review claims and suppliers for fraud indicators and refer applicable matters to the Special Investigations Unit.
Maintain accurate and current claim-file documentation throughout the process for moderate to complex claims.
Manage desk work, timely follow-ups, repair plans, and repair timelines to support productive and accurate claim adjudication.
Review additional damages submitted by repair facilities, completing a supplement or triaging the claim to a field provider for inspection as appropriate.
Provide policyholders with information about coverage, repair estimates or total-loss valuations, and the claims and repair process; set appropriate expectations.
Support workload surges and catastrophe response operations as needed, including mandatory on-call dates and possible evening, weekend, or holiday work.
Travel for catastrophe deployments with minimal notice when assigned.
Handle various claim types, including higher-complexity claims, and perform additional work outside normal duties as needed.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.