Property Claims Adjuster Specialist - Field

USAA•Washington Metro, VA

4d•Onsite

About The Position

The Property Claims Adjuster Specialist investigates, evaluates, negotiates, and settles complex property insurance claims presented by or against USAA members. The role confirms and analyzes coverage, recognizes liability exposure, and negotiates equitable settlements in compliance with state regulations. It emphasizes technology and desk adjusting for a virtual-first approach while also requiring physical inspections in an assigned local territory using a company vehicle. Field adjusters may travel to other regions, including for catastrophe response. This is an hourly, non-exempt, field-based position serving Fairfax County, Virginia. It includes paid overtime availability and may require mandatory on-call dates, evening, weekend, or holiday work, as well as travel with minimal notice for catastrophe deployments. The adjuster works independently on complex problems, may adjust claims involving attorneys, and can serve as a resource for less-experienced colleagues.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of relevant property claims adjusting experience involving moderate-complexity 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.
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.
Obtain and maintain an insurance adjuster license within 90 days and within 3 attempts.
Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces beneath homes.
Ability to meet USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license.
Ability to lift at least 35 pounds, including lifting a ladder in and out of a car trunk.
Ability to climb ladders, traverse roofs, and work at heights while inspecting roofs and attics.

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 Fairfax County, Virginia.

Responsibilities

Manage an assigned caseload of complex claims, applying knowledge of coverage and potential legal liability.
Partner with vendors and internal business partners to facilitate complex claim resolution and coordinate with external regulators when needed.
Investigate claim damages using information from insureds, third parties, and external sources.
Identify and resolve potential discrepancies and identify subrogation potential.
Identify coverage concerns, review prior loss history, and make Special Investigation Unit referrals when appropriate.
Determine coverage by analyzing complex policy terms and contingencies.
Negotiate complex claim settlements within authority limits and collaborate with management on recommendations for amounts outside 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 work and possible evening, weekend, holiday, or out-of-region deployment.
Handle a variety of claims, including higher-complexity claims, and additional work outside normal duties as needed.
Adjust complex claims involving attorneys and address jurisdictional issues, 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.