Property Adjuster Specialist - Specialty Claims (Condo, Litigation, Liability)

USAA•San Antonio, TX

12d•$69,920 - $125,850•Hybrid

About The Position

USAA is hiring a Property Adjuster Specialist to investigate, evaluate, negotiate, and settle complex property insurance claims within established guidelines. The role includes confirming and analyzing coverage, assessing potential liability, and reaching equitable settlements in compliance with state regulations while recognizing and responding appropriately to members’ circumstances. This position is remote eligible in the continental United States. Employees living within 60 miles of a USAA office in San Antonio, Phoenix, Colorado Springs, Chesapeake, or Tampa are expected to work on-site three days per week. Relocation assistance is not available. The ideal candidate has strong virtual estimating skills for complex condominium claims and can determine liability, handle litigation, reconcile estimates, and work in a telephone-focused environment without physically inspecting losses. The specialist manages a caseload of complex claims, works with vendors and internal partners, researches damages, evaluates coverage and liability, and negotiates settlements. The role requires accurate claim-file documentation, use of estimating platforms and virtual inspection tools, and independent resolution of complex problems. The specialist may support catastrophe operations, including on-call work, travel, and evening, weekend, or holiday work. Travel may also be required for claim resolution, training, or in-person inspections. The position may involve attorney-represented claims and jurisdiction-specific legal and construction considerations.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of relevant property claims adjusting experience handling moderately complex losses, including 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 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.

Nice To Haves

At least 2 years of experience handling complex condominium, litigation, and liability claims.
Experience desk-adjusting property claims involving DWG, APS, and ALE using virtual technologies such as ClaimXperience, Hover, or EagleView.
Ownership of claims from start to finish.
Insurance industry designations such as AINS, CPCU, AIC, or SCLA, or active pursuit of one.
Xactimate Level 1 and/or Level 2 certification.
Currently holds an active adjuster license.
Bachelor’s degree.
Call center experience in a telephone-focused environment.
Experience working directly for a standard insurance carrier.

Responsibilities

Manage an assigned caseload of complex property claims, including claims involving potential legal liability.
Partner with vendors and internal business partners to facilitate complex claim resolution and coordinate with external regulators when needed.
Investigate claim damages using information from insureds, third parties, and external resources; identify discrepancies and potential subrogation.
Identify coverage concerns, review prior loss history, make Special Investigation Unit referrals when appropriate, and determine coverage under complex policy terms and contingencies.
Determine and negotiate complex claim 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 mandatory on-call dates and possible evening, weekend, or holiday work outside normal hours.
Travel for catastrophe deployments with minimal notice when assigned.
Handle claims of varying types and complexity and perform additional work outside normal duties as needed.
Work independently on complex problems with minimal guidance and serve as a resource for less-experienced colleagues.
Adjust complex claims involving attorneys.
Recognize and address jurisdictional challenges, including applicable legislation and construction considerations.
Travel as needed to resolve claims, attend training, and conduct in-person inspections.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.