Property Adjuster Specialist - Field CAT Team

USAA•Montgomery Metro, AL

13d•Onsite

About The Position

USAA is seeking a Property Adjuster Specialist to join their Field CAT Team. This role involves investigating, evaluating, negotiating, and settling complex property insurance claims within defined guidelines. The specialist will confirm coverage, analyze liability exposure, and negotiate settlements in compliance with state regulations, while also showing empathy towards members' life events. The position utilizes technology and desk adjusting for a virtual-first approach, with a company vehicle provided for local territory inspections. Field Adjusters may also travel outside their local area for claims response. This is an hourly, non-exempt position with paid overtime and CAT pay available, based locally in the Montgomery, AL area.

Requirements

High School Diploma or General Equivalency Diploma.
2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.
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.
Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.
Ability to travel 50-75% 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.
Successful completion of a job-related assessment may be required.

Nice To Haves

Experience on a Property Catastrophe team handling inside or field claims (i.e. wind, hail, hurricane, flooding)
Experience adjusting large loss complex property claims caused by catastrophic events
Residential property adjusting experience handling DWG, APS and ALE adjustments
Experience working directly for a standard insurance carrier handling claims from start to finish (first notice of loss, reviewing policy, making coverage decisions).
Estimate writing skills using Xactimate, ClaimX or virtual estimating
Xactimate level 1 and/or level 2 certification
Insurance Industry designations such as AINS, CPCU, AIC, SCLA
Currently hold an active P&C Adjuster license
Available to work extended hours to support CAT claims
Currently reside in the Montgomery, AL area
US military experience through military service or a military spouse/domestic partner

Responsibilities

Proactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability.
Partners with vendors and internal business partners to facilitate complex 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 information involving complex policy terms and contingencies.
Determines and negotiates complex claims settlement within authority limits.
Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes.
Maintains accurate, thorough, and current claim file documentation throughout the claims process.
Advance knowledge of estimating technology platforms and virtual inspection tools.
Utilizes platforms and tools to prepare claims estimates to manage complex property insurance claims.
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.
Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience.
Adjusts complex claims with attorney involvement.
Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.
May require travel to resolve claims, attend training, and conduct in-person inspections.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.