Property Adjuster Specialist - Field Claims

USAA•Kansas City, KS

2d•$69,920 - $125,850•Onsite

About The Position

As a Property Adjuster Specialist, you will investigate, evaluate, negotiate, and settle complex property insurance claims within defined guidelines and frameworks. You will analyze coverage, identify liability exposure, and negotiate equitable settlements in compliance with state regulations while responding empathetically to members’ circumstances. The role uses technology and desk adjusting for a virtual-first approach to inspections and claims handling. USAA provides a company vehicle for physical inspections within the locally assigned territory. Field adjusters may travel outside their territory to respond to claims in other regions. This is a local field-based role for the Kansas City, Kansas area; candidates living there or willing to self-relocate are encouraged to apply. It is an hourly, non-exempt position with paid overtime available. The position may involve catastrophe response, mandatory on-call dates, and work during evenings, weekends, or holidays outside normal hours. Catastrophe deployment travel may be assigned with minimal notice. Travel may also be required for claims, training, and in-person inspections. The role includes physical inspections that may require working in confined spaces, lifting, and climbing or traversing roofs.

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 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.
Demonstrated investigatory, analytical, prioritization, multitasking, and problem-solving skills.
Ability to travel 50–75% of the year, locally and non-locally, and/or perform catastrophe duty when needed.
Acquire and maintain an insurance adjuster license within 90 days and within 3 attempts.
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, including working at heights while inspecting roofs and attics.

Nice To Haves

At least 2 years of prior field experience handling higher-severity or complex losses, such as water, vandalism, malicious mischief, foreclosures, earth movement, collapse, or liability.
Experience adjusting property claims using virtual technologies.
Property field adjuster experience handling DWG, APS, and ALE adjustments.
Industry designations such as AINS, CPCU, AIC, or SCLA, or actively pursuing them.
Xactimate Level 1 and/or Level 2 certification.
Prior deployments in support of catastrophes.
Currently holds an active adjuster license.
Currently resides within the Kansas City, Kansas metro area.
US military experience through military service or a military spouse/domestic partner.

Responsibilities

Proactively manage a caseload of complex claims requiring knowledge of claims coverage and 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 other sources.
Identify and resolve potential discrepancies and identify subrogation opportunities.
Identify coverage concerns, review prior loss history, make Special Investigation Unit referrals when appropriate, and determine coverage by analyzing complex policy terms and contingencies.
Determine and negotiate complex claim settlements within authority limits; collaborate with management on recommendations for settlements beyond 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 when assigned, potentially with minimal notice.
Handle claims of varying types and higher complexity, and take on additional work outside normal duties as needed.
Work independently to solve 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.