Property Claims Adjuster Specialist - Field

USAA•Brunswick, GA

6d•$69,920 - $133,620•Onsite

About The Position

The Property Claims Adjuster Specialist investigates, evaluates, negotiates, and settles complex property insurance claims made by or against USAA members. The role confirms and analyzes coverage, recognizes liability exposure, and negotiates equitable settlements in compliance with state regulations. It uses a virtual-first approach with estimating technology and virtual inspection tools, while also conducting physical inspections in an assigned local territory using a company vehicle. The role is field-based in the St. Marys/Kingsland, Georgia territory; candidates must live there or be willing to relocate at their own expense. Travel may include work outside the local territory, catastrophe deployments, training, and in-person inspections. This is an hourly, non-exempt role with paid overtime available. The position handles complex claims, including claims involving attorneys, and may serve as a resource to less experienced colleagues. It requires independent judgment to resolve complex problems, attention to jurisdictional issues, and compliance with risk and regulatory policies. Workload surges and catastrophe response may require on-call availability and work during evenings, weekends, or holidays, as well as deployment travel with minimal notice.

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, 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 and within 3 attempts.
Ability to 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 needed.
Ability to lift at least 35 pounds, including a ladder in and out of a car trunk, as needed.
Ability to climb ladders and traverse roofs, including working at heights while inspecting roofs and attics, as needed.

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 holding an active adjuster license.
Currently residing in or being able to self-relocate to the St. Marys/Kingsland, Georgia territory.

Responsibilities

Manage an assigned caseload of complex property claims, including losses requiring 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 to ensure proper documentation and compliance.
Investigate damages using information from insureds, third parties, and external sources; resolve discrepancies and identify potential subrogation.
Identify coverage concerns, review prior loss history, determine when to refer a claim to the Special Investigation Unit, and analyze complex policy terms and contingencies to determine coverage.
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 various claim types, including higher-complexity claims, and perform additional work outside normal duties when assigned.
Adjust complex claims involving attorneys and address jurisdictional issues, 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.