Property Claims Adjuster Specialist - Field

USAA•Albany Metro, GA

5d•Onsite

About The Position

USAA is hiring a field-based Property Claims Adjuster Specialist for the Albany, Georgia territory. The specialist investigates, evaluates, negotiates, and settles complex property insurance claims under established guidelines, confirming coverage and liability exposure and complying with applicable state requirements. The role uses technology, desk adjusting, and virtual inspection tools while also conducting physical inspections in the assigned territory. A company vehicle is provided for inspections. Field adjusters may travel outside their territory, including for catastrophe response, and may travel for training or to resolve claims. Candidates should live in the territory or be willing to relocate themselves. This is an hourly, non-exempt role with paid overtime available. The position supports complex claims, including claims involving attorneys, and may require on-call dates and evening, weekend, or holiday work during workload surges and catastrophe operations. Catastrophe deployments may be assigned with minimal notice. The adjuster works independently on complex problems, may serve as a resource to less-experienced colleagues, and is responsible for identifying and controlling risks in accordance with company policies and procedures.

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 and state laws and regulations.
Proficient negotiation, investigation, communication, and conflict-resolution skills.
Demonstrated investigative, 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 and possession of a valid driver's license.
Ability to perform physical inspection tasks that may include crouching, stooping, lifting at least 35 pounds, climbing ladders, traversing roofs, and working at 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 holding an active adjuster license.
Currently residing within, or able to self-relocate to, the Albany, Georgia territory.

Responsibilities

Manage an assigned caseload of complex property claims, including claims involving 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 other external sources; identify and resolve discrepancies and potential subrogation.
Identify coverage concerns, review prior loss history, and make Special Investigation Unit referrals when appropriate.
Analyze complex policy terms and contingencies to determine coverage.
Negotiate settlements within authority limits; recommend and collaborate with management on settlements outside those limits, and manage claim outcomes accurately.
Maintain accurate, thorough, and current claim-file documentation throughout the claims process.
Use estimating platforms and virtual inspection tools to prepare estimates and manage complex property claims.
Support workload surges and catastrophe response, including mandatory on-call dates and possible evening, weekend, or holiday work; travel for catastrophe deployments when assigned.
Handle higher-complexity claims and additional work as needed, including claims with attorney involvement.
Recognize and address jurisdictional issues, including applicable legislation and construction considerations.
Travel as needed to resolve claims, attend training, and conduct in-person inspections.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.