Property Claims Adjuster Specialist - Field

USAA • Omaha, NE

2d • $69,920 - $133,620 • Onsite

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, following established guidelines and regulatory requirements. You will analyze coverage, recognize liability exposure, and negotiate equitable settlements. The role uses a virtual-first approach, including technology and desk adjusting, while also requiring physical inspections in a locally assigned territory using a company vehicle. Field adjusters may travel outside their territory to assist with claims elsewhere.

This is an hourly, non-exempt, field-based position in Omaha, Nebraska. The role may involve travel to resolve claims, attend training, and perform in-person inspections. Work may include catastrophe-response operations, mandatory on-call dates, and evening, weekend, or holiday hours outside the normal schedule. Catastrophe deployments may be assigned with minimal notice. Paid overtime is available.

Requirements

• High school diploma or General Equivalency Diploma.
• At least 2 years of relevant property claims adjusting experience handling moderately complex losses, including writing estimates involving 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, 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 no more than 3 attempts.
• Meet USAA safe-driving requirements, including driving-record verification through an MVR and possession of a valid driver's license, if required.
• Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces, if required.
• Ability to lift at least 35 pounds, including lifting a ladder in and out of a car trunk, if required.
• Ability to climb ladders, traverse roofs, and work at heights while inspecting roofs and attics, if required.

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 supporting catastrophe response.
• Currently hold an active adjuster license.
• Currently reside within or be able to self-relocate to Omaha, Nebraska.

Responsibilities

• Proactively manage an assigned caseload of complex claims requiring knowledge of coverage and potential legal liability.
• Partner with vendors and internal business partners to resolve complex claims, and coordinate with external regulators when needed to ensure documentation and compliance.
• Investigate claim damages using information from insureds, third parties, and other resources; identify discrepancies and potential subrogation.
• Identify coverage concerns, review prior loss history, determine when to make Special Investigation Unit referrals, and 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 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 possible evening, weekend, and holiday work.
• Handle various claim types, including higher-complexity claims, and take on additional work as needed.
• Work independently on complex problems with minimal guidance and serve as a resource for less-experienced colleagues.
• Adjust complex claims involving attorneys.
• Recognize 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.

Benefits

• Comprehensive medical, dental, and vision plans.
• 401(k) and pension.
• Life insurance.
• Parental benefits and adoption assistance.
• Paid time off, including paid holidays.
• 16 paid volunteer hours.
• Wellness programs.
• Career path planning and continuing education.
• Potential pay incentives based on overall corporate and individual performance, at the discretion of the USAA Board of Directors.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED