Property Adjuster Specialist - Field Claims

USAA•San Antonio, TX

2d•$69,920 - $133,620•Onsite

About The Position

The Property Adjuster Specialist works within defined guidelines to investigate, evaluate, negotiate, and settle complex property insurance claims. The role confirms and analyzes coverage, recognizes liability exposure, and negotiates equitable settlements in compliance with state regulatory requirements, while responding empathetically to members’ circumstances. This is a field-based position in San Antonio, Texas, using a virtual-first approach with technology and desk adjusting for inspections and claims handling. USAA provides a company vehicle for physical inspections within the assigned local territory. The position may require travel outside the territory, catastrophe deployments, and travel for training or claim resolution. It is hourly and non-exempt, with paid overtime available.

Requirements

High school diploma or General Equivalency Diploma.
Two years of relevant property claims adjusting experience handling moderately complex losses, including writing estimates for dwelling and structural damage.
Advanced knowledge of estimating losses with 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, with no more than three attempts.
Successful completion of a job-related assessment may be required.
Ability to work mandatory on-call dates and potentially evenings, weekends, or holidays when supporting catastrophe operations.
Ability to meet USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license, if required.

Nice To Haves

Two or more years of field experience handling higher-severity or complex losses, such as vandalism, malicious mischief, foreclosures, earth movement, collapse, or liability.
Experience as a field property adjuster handling dwelling (DWG), APS, and ALE adjustments.
Experience adjusting property claims using virtual technologies.
Experience working directly for a standard insurance carrier.
Full ownership of claims from start to finish.
Industry designations such as AINS, CPCU, AIC, or SCLA, or actively pursuing one.
Xactimate Level 1 and/or Level 2 certification.
Experience deploying in support of catastrophe operations.
Active adjuster license.
Currently residing in the San Antonio, Texas area.
US military experience through military service or as a military spouse/domestic partner.

Responsibilities

Proactively manage an assigned caseload of complex claims requiring knowledge of claims coverage and potential legal liability.
Partner with vendors and internal business partners to resolve complex claims, and coordinate with external regulators when needed to ensure documentation and compliance.
Investigate claim damages using information from insureds, third parties, and other sources.
Identify and resolve potential discrepancies and recognize potential subrogation arising from unusual claim characteristics.
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 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 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, potentially with minimal notice, and travel as needed to resolve claims, attend training, and conduct in-person inspections.
Handle claims of varying types and higher 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.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.