Property Claims Adjuster Specialist - Field

USAA•Pensacola, FL

6d•$69,920 - $133,620•Onsite

About The Position

The Property Claims Adjuster Specialist investigates, evaluates, negotiates, and settles complex property insurance claims presented by or against USAA members. The role confirms and analyzes coverage, recognizes liability exposure, and negotiates equitable settlements in compliance with state regulatory requirements. It uses technology and desk adjusting in a virtual-first approach, while also conducting physical inspections in an assigned local territory using a company vehicle. The role may require travel outside the local territory, including catastrophe deployments. This is an hourly, non-exempt field-based position for the Pensacola, Florida territory. Overtime is available. The adjuster manages complex claims independently, including claims involving attorneys, and serves as a resource for less-experienced colleagues. The position may include catastrophe response operations, mandatory on-call dates, and evening, weekend, or holiday work outside normal working hours.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of relevant property claims adjusting experience handling moderate-complexity losses, including writing estimates for 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 and state laws and regulations.
Proficient negotiation, investigation, communication, and conflict-resolution skills.
Demonstrated investigatory, 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 and within 3 attempts.
Ability to meet USAA safe driving requirements, including driving-record verification and possession of a valid driver's license.
Ability to perform the physical demands of the role, including inspecting confined spaces and roofs, climbing ladders, working at heights, and lifting at least 35 pounds.

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 catastrophe operations.
Currently hold an active adjuster license.
Currently reside within or be able to self-relocate to the Pensacola, Florida territory.

Responsibilities

Manage an assigned caseload of complex claims requiring knowledge of coverage and 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 external resources; resolve discrepancies and identify potential subrogation.
Identify coverage concerns, review prior loss history, determine when to refer claims to the Special Investigation Unit, and analyze complex policy terms and contingencies to determine coverage.
Determine and negotiate 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 operations, including mandatory on-call dates and potential evening, weekend, or holiday work.
Travel for catastrophe deployments, claim resolution, training, and in-person inspections as needed.
Handle different claim types, including higher-complexity claims, and perform additional work outside normal duties when assigned.
Adjust complex claims involving attorney participation and address jurisdictional issues, 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.