Property Claims Adjuster Specialist - Field

USAA•Albany, GA

6d•$69,920 - $133,620•Onsite

About The Position

As a dedicated Property Adjuster Specialist, you will investigate, evaluate, negotiate, and settle complex property insurance claims under established guidelines. You will 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 to inspections and claims handling, while also requiring physical inspections within an assigned territory using a company vehicle. Field adjusters may travel outside their local territory to respond to claims in other regions. This is an hourly, non-exempt, field-based role in the Albany, Georgia territory. It includes paid overtime availability and may involve travel, catastrophe response, on-call dates, and work outside normal hours. The position requires independent handling of complex claims, including claims involving attorneys, and may require additional assignments outside normal duties.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of relevant property claims adjusting experience with moderately complex losses, including writing estimates for 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.
Ability to meet USAA safe-driving requirements, including driving-record verification through MVR and possession of a valid driver's license.
Ability to perform physical inspection tasks, including crouching, stooping, lifting at least 35 pounds, climbing ladders, and traversing roofs and other 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 actively pursuing one.
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, the Albany, Georgia territory.

Responsibilities

Manage an assigned caseload of complex property 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 needed to ensure documentation and compliance.
Investigate claim damages using information from insureds, third parties, and external sources; resolve discrepancies and identify potential subrogation.
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 claim 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 potential evening, weekend, or holiday work.
Travel for catastrophe deployments, claim resolution, training, and in-person inspections as needed, potentially with minimal notice during designated catastrophes.
Handle claims of varying types and higher complexity, including claims involving attorneys, and take on additional work as needed.
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.