Inside Property Adjuster - CAT Claims

USAA•San Antonio, VA

8d•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 experienced desk Property Adjuster role focuses on strong virtual estimating skills for low to moderate severity losses and/or reconciling estimates in a telephone-concentrated environment without physical inspection. The position is hourly, non-exempt, with overtime and CAT pay opportunities. This role is remote eligible in the continental U.S., with expectations to work on-site three days per week for those residing within a 60-mile radius of a USAA office (San Antonio, TX, Phoenix, AZ, Colorado Springs, CO, Chesapeake, VA, or Tampa, FL). Relocation assistance is not available.

Requirements

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.

Nice To Haves

1+ years of residential property adjusting of moderate complexity claims
1+ years of estimate writing skills using Xactimate or virtual estimating (i.e. Claim X, Hover, and Hosta)
Handling claims from start to finish (FNOL, reviewing policy, making coverage decisions, settlement)
Experience scoping the loss, assessing damages, interpreting policy and making claim decisions
Experience on a Property Catastrophe team handling inside or field claims (i.e. wind, hail, hurricane, flooding)
Experience working in Guidewire Claims Center
Knowledge of homeowner property policies and endorsements
Currently hold an active P&C Adjuster license
Prior experience working directly for a standard insurance carrier
Call center experience in a telephone concentrated environment
Ability to work overtime and extended hours to support CAT claims
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.