Property Claims Adjuster Specialist - Field

USAA•Brunswick Metro, GA

6d•Onsite

About The Position

USAA is hiring a field-based Property Claims Adjuster Specialist for the St. Marys/Kingsland, Georgia territory. The role investigates, evaluates, negotiates, and settles complex property insurance claims involving members, within established guidelines and regulatory requirements. The specialist confirms coverage, recognizes liability exposure, and negotiates equitable settlements. The role emphasizes technology, desk adjusting, and virtual-first inspections, while also using a company vehicle to inspect losses in the assigned territory. Field adjusters may travel outside their local territory to respond to claims in other regions. This is an hourly, non-exempt position with paid overtime available. The role may require travel for claims, training, and in-person inspections, as well as catastrophe deployments with minimal notice. Catastrophe response may include mandatory on-call dates and evening, weekend, or holiday work. The position works independently on complex problems and may 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 moderately complex losses, writing estimates, and 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, 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.
Acquire and maintain an insurance adjuster license within 90 days, with up to 3 attempts.
Ability to meet USAA safe-driving requirements, including motor vehicle record verification and possession of a valid driver's license.
Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces; lift at least 35 pounds, including a ladder; climb ladders; and 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 catastrophe deployments.
Currently hold an active adjuster license.
Currently reside within, or be able to self-relocate to, the St. Marys/Kingsland, Georgia territory.

Responsibilities

Manage an assigned caseload of complex claims requiring knowledge of claims coverage and potential legal liability.
Partner with vendors and internal business partners to facilitate resolution of complex claims, 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 recognize subrogation potential.
Identify coverage concerns, review prior loss history, and determine when to create Special Investigation Unit referrals.
Analyze complex policy terms and contingencies to determine coverage.
Determine and negotiate complex claim settlements within authority limits; collaborate with management on recommendations for settlements outside those limits.
Accurately manage claims outcomes and maintain thorough, 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 potential evening, weekend, or holiday work.
Handle various claim types, including higher-complexity claims, and perform additional work outside normal duties as needed.
Adjust complex claims involving attorneys and address jurisdictional challenges, 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.