Inside Desk Property Claims Adjuster

USAA•Colorado Springs, VA

1d•Hybrid

About The Position

USAA is seeking a dedicated Property Adjuster to investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims within defined guidelines. This hybrid role requires an individual to be in the office 3 days per week and can be based in San Antonio, TX, Phoenix, AZ, Colorado Springs, CO, Chesapeake, VA or Tampa Crosstown, FL. This is an experienced desk-based Property Adjuster role working in a telephone-concentrated environment without physical inspection of loss. It is an hourly, non-exempt position with paid overtime available. Training will be approximately 12 weeks, Monday to Friday, with hours varying by location. Upon successful completion of training, employees will transition to an eight-hour work shift ranging between 8:00 am – 5:30 pm (local time) Monday to Friday, with availability for occasional evenings and weekends based on business needs. The role involves confirming coverage, recognizing liability exposure, and negotiating equitable settlements in compliance with state regulatory requirements, while also recognizing and empathizing with members’ life events.

Requirements

High School Diploma or General Equivalency Diploma.
1+ years relevant property adjusting claims of moderate complexity
1 year of customer service, military leadership, construction related industry/insurance experience and/or experience handling low complexity property claims.
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.

Nice To Haves

Experience desk adjusting residential property claims to include water, roof, and personal property
File ownership handling claims from start to finish (scoping the loss, assessing damages, estimating, interpreting policy, making coverage decisions, settlement)
Proficient in estimate writing using Xactimate and virtual tools (such as Claim X, Hover, and Hosta)
Currently hold an active P&C Adjuster license
Experience working directly for a standard insurance carrier
Experience in a call center environment
US military experience through military service or a military spouse/domestic partner

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.