Property Claims Adjuster Specialist - Field

USAA • Tulsa Metro, OK

6d • Onsite

About The Position

The Property Claims Adjuster Specialist works within established guidelines to investigate, evaluate, negotiate, and settle 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 regulations. It uses a virtual-first approach, including desk adjusting and technology-assisted inspections, while also conducting physical inspections in an assigned local territory using a company vehicle. The position is field-based in Tulsa, Oklahoma, and may require travel outside the local territory, including catastrophe deployments. This is an hourly, non-exempt role with paid overtime available.

The adjuster manages complex claims independently, including claims involving attorneys, and serves as a resource for less experienced colleagues. The role requires coordination with vendors, internal partners, and potentially regulators, as well as accurate documentation and compliance with risk policies. Workload surges and catastrophe response may involve mandatory on-call dates and evening, weekend, or holiday work.

Requirements

• High school diploma or General Equivalency Diploma.
• At least 2 years of relevant property claims adjusting experience involving moderate-complexity losses, estimate writing, 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.
• Demonstrated investigative, 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.
• Meet USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license, if required for the role.
• Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces, if required.
• Ability to lift at least 35 pounds, including a ladder in and out of a vehicle, if required.
• Ability to climb ladders and 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 or 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 adjusting 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 in support of catastrophe response.
• Currently holds an active adjuster license.
• Currently resides in Tulsa, Oklahoma, or is able to self-relocate there.

Responsibilities

• Manage an assigned caseload of complex property claims, including claims with potential legal liability.
• Partner with vendors and internal business partners to facilitate complex claims resolution and coordinate with external regulators when needed.
• Investigate claim damages using information from insureds, third parties, and other external sources.
• Identify discrepancies, potential subrogation, coverage concerns, prior loss history, and situations warranting Special Investigation Unit referrals.
• Analyze complex policy terms and contingencies to determine coverage.
• Negotiate settlements within authority limits and collaborate with management on recommendations for settlements outside those limits.
• Maintain accurate, thorough, and current claim file documentation.
• Use estimating technology and virtual inspection tools to prepare estimates and manage complex property claims.
• Support workload surges and catastrophe response, including on-call duty and possible evening, weekend, holiday, and deployment work.
• Adjust claims of varying types and complexity, including claims involving attorneys, and take on additional work as needed.
• Address jurisdictional issues involving applicable legislation and construction considerations.
• Travel as needed to resolve claims, attend training, and conduct in-person inspections.
• Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies.

Benefits

• Comprehensive medical, dental, and vision plans.
• 401(k) and pension.
• Life insurance.
• Parental benefits.
• Adoption assistance.
• Paid time off, including paid holidays.
• 16 paid volunteer hours.
• Wellness programs.
• Career path planning and continuing education.
• Pay incentives may be available based on corporate and individual performance and 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