Property Claims Adjuster Specialist - Field

USAA•Jacksonville, FL

7d•$69,920 - $133,620•Onsite

About The Position

USAA is hiring a field-based Property Claims Adjuster Specialist for the Jacksonville, Florida territory. The role investigates, evaluates, negotiates, and settles complex property insurance claims made by or against USAA members, confirming coverage and recognizing liability exposure while complying with state regulations. The position uses technology, desk adjusting, and virtual-first inspections, as well as in-person inspections within an assigned territory using a company vehicle. Travel outside the local territory may be needed, including catastrophe deployments with minimal notice. This hourly, non-exempt position has paid overtime available. The specialist manages complex claims independently, including claims involving attorneys, and partners with vendors, internal business partners, and external regulators to resolve claims and maintain compliance. The role may include mandatory on-call dates and evening, weekend, or holiday work during workload surges and catastrophe response. Travel may also be required for training and in-person inspections. USAA does not provide visa sponsorship for this role.

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 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.
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 and within 3 attempts.
Ability to meet applicable USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license, as required.
Ability to perform the physical activities described, including crouching, stooping, lifting, climbing ladders, and traversing roofs, as 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 supporting catastrophe response.
Currently holding an active adjuster license.
Currently residing within or able to self-relocate to the Jacksonville, Florida territory.

Responsibilities

Manage a caseload of complex claims, applying knowledge of coverage and potential legal liability.
Partner with vendors and internal business partners to facilitate complex claim resolutions 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 recognize potential subrogation.
Identify coverage concerns, review prior loss history, make Special Investigation Unit referrals when appropriate, and determine coverage by analyzing complex policy terms and contingencies.
Determine and negotiate complex settlements within authority limits; collaborate with management on recommendations for settlements beyond 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, 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 claims of varying types and complexity and perform additional work outside normal duties when assigned.
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.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.