Inside Property Adjuster Specialist - Desk Claims

USAA•San Antonio, TX

10d•$69,920 - $129,740•Remote

About The Position

USAA is hiring a Property Adjuster Specialist to investigate, evaluate, negotiate, and settle complex property insurance claims within defined guidelines. The role involves confirming and analyzing coverage, identifying liability exposure, negotiating equitable settlements in compliance with state regulations, and responding empathetically to members’ circumstances. This is a desk-based, non-inspection role. The specialist uses virtual estimating skills and estimating technology to handle complex dwelling losses, reconcile estimates in a telephone-focused environment, and manage claims without physically inspecting losses. The position is remote-eligible for candidates located in or willing to relocate to the Pacific, Mountain, or Central time zones in the continental United States. Employees living within 60 miles of a USAA office are expected to work on-site three days per week. This is an hourly, non-exempt position with paid overtime available. Work may include catastrophe response, mandatory on-call dates, evening, weekend, or holiday hours, and travel—including CAT deployment travel with minimal notice. The role may also involve in-person inspections, training travel, and resolving claims. The specialist works independently on complex problems and may serve as a resource to less experienced colleagues.

Requirements

At least 2 years of relevant property claims adjusting experience involving moderately complex losses and writing estimates for 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 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.
Acquire and maintain an insurance adjuster license within 90 days, with up to 3 attempts.
Must not require immigration support now or in the future.

Nice To Haves

Advanced claims adjusting experience with complex, higher-severity losses, including 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 end to end, including scoping, estimating, coverage decisions, ALE, and settlement.
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 or domestic partner.

Responsibilities

Manage an assigned caseload of complex claims, applying 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 opportunities.
Identify coverage concerns, review prior loss history, determine when to make Special Investigation Unit referrals, and assess coverage under complex policy terms and contingencies.
Determine and negotiate complex settlements within authority limits; collaborate with management on recommendations for settlements 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 for complex property claims.
Support workload surges and catastrophe response operations, including required on-call dates and possible work outside normal hours.
Work on claims of varying types and complexity and take on additional duties as needed.
Adjust complex claims involving attorneys.
Address jurisdictional issues, including applicable legislation and construction considerations.
Travel as needed to resolve claims, attend training, and conduct in-person inspections.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.