Property Claims Adjuster Specialist - Field

USAA•Augusta-Richmond County, GA

5d•$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 applicable state regulations. You will confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements. The role emphasizes technology and desk adjusting for a virtual-first approach to inspections and claims handling. USAA provides a company vehicle for physical inspections within your locally 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 position is field-based in Augusta, Georgia, and requires substantial travel. Catastrophe response may involve deployment on minimal notice, mandatory on-call dates, and work outside normal hours. You will manage complex claims independently, maintain thorough claim documentation, use estimating platforms and virtual inspection tools, and collaborate with vendors, internal partners, management, and external regulators as needed. The role may include attorney-involved claims and assignments outside normal duties.

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 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.
Proven 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.
Ability to meet USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license, 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 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 Augusta, Georgia.

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 damages using information from insureds, third parties, and external resources; identify discrepancies and potential subrogation.
Identify coverage concerns, review prior loss history, determine whether Special Investigation Unit referrals are appropriate, and analyze complex policy terms and contingencies to determine coverage.
Determine and negotiate complex settlements within authority limits; collaborate with management on recommendations for amounts 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 required.
Adjust a variety of claims, including higher-complexity and attorney-involved claims, and take on additional work as needed.
Work independently to solve complex problems with minimal guidance and serve as a resource for less-experienced colleagues.
Recognize and address jurisdictional challenges, including applicable legislation and construction considerations.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.