Property Claims Adjuster Specialist - Field

USAA•Phoenix, AZ

1d•$69,920 - $133,620•Onsite

About The Position

As a Property Claims Adjuster Specialist, you investigate, evaluate, negotiate, and settle complex property insurance claims presented by or against USAA members. You confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulatory requirements. The role uses technology and desk adjusting for a virtual-first approach, alongside physical inspections within an assigned local territory using a company vehicle. Field adjusters may travel outside their territory to support claims in other regions. This is an hourly, non-exempt position with paid overtime available, based in East Phoenix, Arizona. The position handles complex property losses, including claims involving attorneys, and requires independent judgment, careful claim documentation, and knowledge of policy terms, construction, applicable laws, and jurisdictional requirements. The role may support catastrophe response, including on-call duty, deployments with minimal notice, and evening, weekend, or holiday work. Travel may also be required for claims, training, and in-person inspections.

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.
Demonstrated 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 and within 3 attempts.
Meet USAA safe-driving requirements, including driving-record verification through MVR and possession of a valid driver's license, if required.

Nice To Haves

US military experience through military service or as a military spouse/domestic partner.
5 years of prior field experience handling higher-severity or complex losses, such as vandalism, malicious mischief, foreclosures, earth movement, collapse, or liability.
Prior experience adjusting property claims using virtual technologies.
Prior 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 hold an active Adjuster License.
Currently reside within or be able to self-relocate to East Phoenix, Arizona.

Responsibilities

Manage an assigned caseload of complex claims requiring knowledge of coverage and potential legal liability.
Partner with vendors and internal business partners to resolve complex claims, 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.
Negotiate complex claim settlements within authority limits and collaborate with management on recommendations for settlements outside those limits.
Maintain accurate, thorough, and current claim file documentation throughout the claims process.
Use estimating technology 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 complexity and perform additional work outside normal duties as needed.
Work independently on complex problems and act 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.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.