Inside Property Adjuster Specialist - Desk Claims

USAA•Colorado Springs, CO

9d•Hybrid

About The Position

As a Property Adjuster Specialist, you investigate, evaluate, negotiate, and settle complex property insurance claims within established guidelines. You confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulations while providing appropriate empathy to members. This is a desk-based, non-inspection role suited to someone with strong virtual estimating skills for complex dwelling losses who can reconcile estimates in a telephone-focused environment without physically inspecting the loss. The position is remote-eligible for candidates located in or willing to relocate to the Pacific, Mountain, or Central time zones within the continental United States. Employees who live within 60 miles of a USAA office are expected to work onsite three days per week. The role is hourly and non-exempt, with paid overtime available. Work may include catastrophe response, mandatory on-call dates, evening, weekend, or holiday hours, and CAT deployment travel with minimal notice. Although the role is desk-based, travel may be required to resolve claims, attend training, or conduct in-person inspections.

Requirements

At least 2 years of relevant property claims adjusting experience with moderately complex losses, including writing estimates for dwelling and structural damage.
Advanced knowledge of estimating losses with Xactimate or similar tools and platforms.
Proficient knowledge of residential construction.
Proficient knowledge of property claims contracts and interpretation of case law and state laws and regulations.
Proficient negotiation, investigation, communication, and conflict-resolution skills.
Demonstrated investigatory, analytical, prioritization, multitasking, and problem-solving skills.
Ability to travel and/or work catastrophe duty when needed.
Obtain and maintain an insurance adjuster license within 90 days, within 3 attempts.

Nice To Haves

Advanced claims adjusting experience with complex, higher-severity losses, such as dwelling and structural damage, large water losses, mitigation, fire, and additional living expenses (ALE).
Experience adjusting desk-based property claims using virtual technologies without physical inspections.
Experience estimating dwelling repairs greater than $50,000.
Experience working directly for a standard insurance carrier.
Experience owning claims from start to finish, including scoping, writing estimates, making coverage decisions, handling ALE, and settling claims.
Industry designations such as AINS, CPCU, AIC, or SCLA, or active pursuit of these designations.
Xactimate proficiency.
An active property and casualty adjuster license.
Current residence in, or willingness to relocate to, the Pacific, Mountain, or Central time zones.
U.S. military experience through military service or as a military spouse/domestic partner.

Responsibilities

Manage an assigned caseload of complex claims requiring knowledge of coverage and potential legal liability.
Partner with vendors and internal business partners to resolve complex claims, and coordinate with external regulators when needed.
Investigate claim damages using information from insureds, third parties, and external sources.
Identify and resolve potential discrepancies and recognize subrogation potential.
Identify coverage concerns, review prior loss history, and make Special Investigation Unit referrals when appropriate.
Determine coverage by analyzing complex policy terms and contingencies.
Negotiate complex claim settlements within authority limits and collaborate with management on recommendations for settlements outside those limits.
Accurately manage claim outcomes and maintain thorough, current claim file documentation.
Use estimating technology platforms and virtual inspection tools to prepare estimates and manage complex property claims.
Support workload surges and catastrophe response operations, including on-call work and possible evening, weekend, holiday, or deployment travel.
Handle claims of varying types and complexity, including claims involving attorneys, and take on additional work as needed.
Work independently on complex problems and serve as a resource for less-experienced colleagues.
Recognize and address jurisdictional challenges, including applicable legislation and construction considerations.
Travel when required to resolve claims, attend training, or conduct in-person inspections.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.