Property Claims Adjuster Specialist - Field

USAA•Valdosta, GA

7d•$69,920 - $133,620•Onsite

About The Position

USAA is hiring a field-based Property Claims Adjuster Specialist for the Valdosta, Georgia territory. The specialist investigates, evaluates, negotiates, and settles complex property insurance claims presented by or against USAA members, confirming coverage and recognizing liability exposure while complying with state regulations. The role uses technology and desk adjusting for a virtual-first approach to inspections and claims handling, while also conducting physical inspections in the assigned territory using a company vehicle. Field adjusters may travel outside their local territory, including catastrophe deployments with minimal notice. This is an hourly, non-exempt position with paid overtime available. The specialist works independently on complex problems, adjusts claims involving attorneys, and may serve as a resource for less experienced colleagues. The role may also include catastrophe response, mandatory on-call dates, and evening, weekend, or holiday work outside normal hours. Candidates should live in Valdosta or be willing to relocate there.

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, prioritization, 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.
Meet USAA safe-driving requirements, including driving-record verification through MVR and possession of a valid driver's license, if required.
Ability, if required, to crouch and stoop in confined spaces such as attics and crawl spaces; lift at least 35 pounds, including a ladder; climb ladders; and traverse roofs and work at heights.

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 active pursuit of a designation.
Xactimate Level 1 and/or Level 2 certification.
Prior deployments in support of catastrophe response.
Currently holding an active adjuster license.
Currently residing within, or ability to self-relocate to, the Valdosta, Georgia territory.

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, coordinating with external regulators when needed to support documentation and compliance.
Investigate claim damages using information from insureds, third parties, and external sources; 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 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, claim resolution, training, and in-person inspections as needed.
Handle a variety of claims, including higher-complexity claims, and additional work outside normal duties as assigned.
Adjust complex claims involving attorneys and address jurisdictional challenges, including applicable legislation and construction considerations.
Ensure risks associated with business activities are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.