Property Adjuster Specialist - Field Claims

USAA•New York, NY

6d•$85,050 - $153,090•Onsite

About The Position

As a dedicated Property Adjuster Specialist, you will investigate, evaluate, negotiate, and settle complex property insurance claims within defined guidelines and frameworks. You will confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulatory requirements, while responding empathetically to members’ life events as appropriate. This field-based role serves the New York City metro area and uses technology and desk adjusting to support a virtual-first approach to inspections and claims handling. USAA provides a company vehicle for physical inspections within the locally assigned territory. Adjusters may travel outside that territory to respond to claims in other regions. The role is hourly and non-exempt, with paid overtime available. It may involve catastrophe response, mandatory on-call dates, travel with minimal notice, and work during evenings, weekends, or holidays. The position manages complex property claims, including claims involving attorney participation, and works independently on complex problems while serving as a resource to less-experienced colleagues. It requires travel for claims, training, and in-person inspections, and may include additional duties as needed. The salary range is $85,050–$153,090, with actual salary varying by location and experience. Employees may be eligible for performance-based incentives. USAA does not provide visa sponsorship for this role.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of relevant property claims adjusting experience involving moderately complex losses, writing estimates, and dwelling and structural damage.
Advanced knowledge of estimating losses using Xactimate or similar tools and platforms.
Proficient knowledge of residential construction.
Proficient knowledge of property claims contracts and interpretation of case law, state laws, and regulations.
Proficient negotiation, investigation, communication, and conflict resolution skills.
Demonstrated investigatory, analytical, prioritizing, multitasking, and problem-solving skills.
Ability to travel 50–75% of the year, locally and non-locally, and/or work catastrophe duty when needed.
Acquire and maintain an insurance adjuster license within 90 days, with up to 3 attempts.
Successful completion of a job-related assessment may be required.
May need to meet USAA safe-driving requirements, including verification of driving record through an MVR and possession of a valid driver's license.
May need to crouch and stoop to inspect confined spaces, including attics and crawl spaces beneath homes.
May need to lift at least 35 pounds, including lifting a ladder in and out of a car trunk.
May need to climb ladders and traverse roofs, and work at heights while inspecting roofs and attics.

Nice To Haves

Hands-on field experience handling high-severity, complex property claims such as fire, water damage, vandalism, malicious mischief, foreclosures, earth movement, collapse, and liability.
Residential property field-adjusting experience with dwelling, structural, and additional living expense claims.
Experience working directly for a standard insurance carrier and handling claims from first notice of loss through policy review and coverage decisions.
Proficiency with estimating platforms and virtual inspection tools such as Xactimate, ClaimXperience, and XactAnalysis.
Insurance industry designations such as AINS, CPCU, AIC, or SCLA, or actively pursuing one.
Active Property & Casualty adjuster license.
Current residence in the New York City metro area to support quicker local claim response and regional risk familiarity.
US 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 to support documentation and compliance.
Investigate claim damages using information from insureds, third parties, and external resources.
Identify and resolve potential discrepancies and recognize subrogation potential arising from unusual claim characteristics.
Identify coverage concerns, review prior loss history, determine whether Special Investigation Unit referrals are appropriate, and analyze complex policy terms and contingencies to determine coverage.
Determine and negotiate complex settlements within authority limits; collaborate with management on recommendations for amounts outside those limits and manage claim outcomes accurately.
Maintain accurate, thorough, and current claim-file documentation throughout the claims process.
Use estimating technology platforms and virtual inspection tools to prepare estimates and manage complex property claims.
Support workload surges and catastrophe response operations, including mandatory on-call dates and possible evening, weekend, or holiday work.
Travel for catastrophe deployments, claim resolution, training, and in-person inspections as needed, potentially with minimal notice.
Adjust claims of varying types and higher complexity, including claims involving attorneys, and take on additional work outside normal duties as needed.
Address jurisdictional challenges, including applicable legislation and construction considerations.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.