Property Claims Adjuster Specialist - Field
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 within established guidelines. You will confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulatory requirements. The role emphasizes technology, desk adjusting, and a virtual-first approach to inspections and claims handling, while also requiring physical inspections within an assigned local territory using a company vehicle. Field adjusters may travel outside their territory to respond to claims in other regions. This is an hourly, non-exempt position with paid overtime available, based in the field in Tulsa, Oklahoma. The role manages complex property claims, including claims involving attorney participation, and requires independent judgment with minimal guidance. It involves coordination with vendors, internal partners, and potentially external regulators; thorough claim documentation; use of estimating platforms and virtual inspection tools; and support for catastrophe response operations. Travel may be required for claims, training, and in-person inspections. The position may include mandatory on-call dates and evening, weekend, or holiday work during workload surges or catastrophe response.
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 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 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 as needed.
- Acquire and maintain an insurance adjuster license within 90 days and within 3 attempts.
- Meet USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license, as applicable.
- Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces, as applicable.
- Ability to lift at least 35 pounds, including lifting a ladder in and out of a car trunk, as applicable.
- Ability to climb ladders and traverse roofs and work at heights while inspecting roofs and attics, as applicable.
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 holds an active Adjuster License.
- Currently resides within, or can self-relocate to, Tulsa, Oklahoma.
Responsibilities
- Manage an assigned caseload of complex claims involving property damage 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 discrepancies and potential subrogation.
- Identify coverage concerns, review prior loss history, make Special Investigation Unit referrals when appropriate, and determine coverage under complex policy terms and contingencies.
- Determine and negotiate complex settlements within authority limits; collaborate with management on recommendations for settlements beyond 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 required on-call dates and potential evening, weekend, or holiday work.
- Travel for catastrophe deployments, claims resolution, training, and in-person inspections as required.
- Handle claims involving attorneys and address jurisdictional issues, including applicable legislation and construction considerations.
- Perform additional work outside normal duties as needed and act as a resource for less-experienced colleagues.
- Identify, measure, monitor, and control risks associated with business activities 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 and paid holidays.
- 16 paid volunteer hours.
- Wellness programs.
- Career path planning and continuing education.
- Paid overtime is available.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
