Property Claims Adjuster Specialist - Field

USAA•Washington, VA

5d•$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 presented by or against USAA members, following established guidelines and applicable state regulations. You will confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements. The role emphasizes technology, desk adjusting, and a virtual-first approach to inspections and claims handling. USAA provides a company vehicle for inspections within an assigned local territory. Field adjusters may travel outside that territory to respond to claims in other regions. This is an hourly, non-exempt field position based in Fairfax County, Virginia, with paid overtime available. Travel may be required for claims, training, and in-person inspections, and catastrophe response may involve on-call dates and work outside normal hours.

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 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 and state laws and regulations.
Proficient negotiation, investigation, communication, and conflict-resolution skills.
Proven 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.
May need to meet USAA safe-driving requirements, including driving-record verification through MVR and possession of a valid driver's license.

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 have the ability to self-relocate to Fairfax County, Virginia.

Responsibilities

Manage an assigned caseload of complex property claims, applying appropriate 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 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 on catastrophe deployments with minimal notice when assigned.
Handle various claim types, including higher-complexity claims, 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.
Travel as needed to resolve claims, attend training, and conduct in-person inspections.
Ensure risks associated with business activities are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.