Property Claims Adjuster Specialist - Field

USAA • Columbus, GA

1d • $69,920 - $133,620 • Onsite

About The Position

USAA is hiring a field-based Property Claims Adjuster Specialist in Columbus, Georgia. The position investigates, evaluates, negotiates, and settles complex property insurance claims presented by or against USAA members. The adjuster confirms and analyzes coverage, recognizes liability exposure, and negotiates equitable settlements in compliance with state regulatory requirements.

The role uses a virtual-first approach with technology and desk adjusting for inspections and claims handling, while also conducting physical inspections within an assigned local territory using a company vehicle. Travel outside the territory may be required for claims in other regions, catastrophe response, training, and in-person inspections. This is an hourly, non-exempt position with paid overtime available. The role may require mandatory on-call dates and evening, weekend, or holiday work during workload surges or catastrophe operations, including deployment travel with minimal notice.

The adjuster manages complex claims independently, including claims with attorney involvement, and serves as a resource to less experienced colleagues. The position requires accurate claim documentation, compliance with risk and regulatory requirements, and the ability to address jurisdictional issues such as applicable legislation and construction considerations. Candidates must live in or be willing to relocate to Columbus, GA. USAA does not provide visa sponsorship for this role.

Requirements

• High school diploma or General Equivalency Diploma.
• At least 2 years of relevant property claims adjusting experience handling moderate-complexity losses, including writing estimates for 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, 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, with up to 3 attempts.
• Ability to meet USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license.
• Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces; lift at least 35 pounds; climb ladders; and traverse roofs and work at heights during inspections.

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 holding an active Adjuster License.
• Currently residing in or having the ability to self-relocate to Columbus, GA.

Responsibilities

• Manage an assigned caseload of complex claims, applying knowledge of coverage and potential legal liability.
• Partner with vendors and internal business partners to resolve complex claims and coordinate with external regulators when appropriate.
• Investigate claim damages using information from insureds, third parties, and other external sources; resolve discrepancies and identify subrogation potential.
• Identify coverage concerns, review prior loss history, determine whether to make Special Investigation Unit referrals, and analyze complex policy terms and contingencies to determine coverage.
• Determine and negotiate claim settlements within authority limits; develop recommendations and collaborate with management on settlements beyond those limits.
• 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 on-call duty and possible work outside normal hours.
• Travel for catastrophe deployments, claim resolution, training, and in-person inspections as needed.
• Handle claims of varying types and complexity, including claims involving attorneys, and take on additional duties as assigned.
• Work independently to solve complex problems and act as a resource for less experienced colleagues.
• 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.

Benefits

• Comprehensive medical, dental, and vision plans.
• 401(k) and pension.
• Life insurance.
• Parental benefits.
• Adoption assistance.
• Paid time off program with paid holidays.
• 16 paid volunteer hours.
• Wellness programs.
• Career path planning and continuing education.
• Possible pay incentives based on corporate and individual performance, at the discretion of the USAA Board of Directors.
• Company vehicle for physical inspections within the locally assigned territory.
• Paid overtime available.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED