Property Adjuster Specialist - Field CAT Claims

USAA•Dallas, TX

1d•$74,240 - $133,620•Onsite

About The Position

As a dedicated Property Adjuster Specialist on USAA’s catastrophe team, you will investigate, evaluate, negotiate, and settle complex property insurance claims within established guidelines. You will analyze coverage, identify liability exposure, and negotiate equitable settlements in compliance with state regulations, while treating members with empathy. The team supports members affected by severe weather and emphasizes technology, desk adjusting, and virtual-first inspections. USAA provides a company vehicle for physical inspections within the locally assigned territory. Adjusters may travel beyond their territory to respond to claims in other regions. This is an hourly, non-exempt, local field-based position in Fort Worth, Texas, eligible for paid overtime. The role may require travel, catastrophe deployments with minimal notice, mandatory on-call duty, and work during evenings, weekends, or holidays. The position handles complex claims, including claims involving attorneys, and may include work outside normal duties.

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.
Proven 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.
Meet applicable USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license, if required.
Ability to meet physical demands that may include lifting at least 35 pounds, crouching and stooping in confined spaces, climbing ladders, and traversing roofs at heights.

Nice To Haves

Experience on a property catastrophe team handling field claims such as wind, hail, hurricane, or flooding.
Experience adjusting large-loss, complex property claims caused by catastrophic events.
Residential property adjusting experience handling DWG, APS, and ALE adjustments.
Estimate-writing skills using Xactimate, ClaimX, or virtual estimating.
Xactimate Level 1 and/or Level 2 certification.
Full ownership of claims from start to finish.
Insurance industry designations such as AINS, CPCU, AIC, or SCLA.
An active Property & Casualty Adjuster license.
Experience working directly for a standard insurance carrier.
Availability to work extended hours to support catastrophe claims.
Current residence in the Southern Fort Worth, Texas area.
U.S. military experience through military service or as a military spouse/domestic partner.

Responsibilities

Manage an assigned caseload of complex claims requiring knowledge of property 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 other external sources.
Identify and resolve potential discrepancies and identify subrogation potential arising from unusual claim characteristics.
Identify coverage concerns, review prior loss history, and determine and create Special Investigation Unit referrals when appropriate.
Determine coverage by analyzing complex policy terms and contingencies.
Determine and negotiate complex settlements within authority limits; develop recommendations and collaborate with management on settlements beyond those limits.
Accurately manage claim outcomes and maintain thorough, accurate, current claim-file documentation throughout the 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 on-call dates and potential evening, weekend, or holiday work.
Travel for catastrophe deployments, claim resolution, training, and in-person inspections as needed.
Handle various claim types, including higher-complexity claims, and additional work outside normal duties as assigned.
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.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.