Property Claims Adjuster Specialist - Field

USAA•Las Vegas, NV

19h•Onsite

About The Position

USAA is hiring a field-based Property Claims Adjuster Specialist for Las Vegas, Nevada. The role investigates, evaluates, negotiates, and settles complex property insurance claims under established guidelines, confirming coverage, recognizing liability exposure, and complying with state regulations. The position uses technology and desk-adjusting methods for a virtual-first approach, while also conducting physical inspections within an assigned local territory using a company vehicle. Field adjusters may travel outside their territory to respond to claims in other regions. This hourly, non-exempt position has paid overtime available. The adjuster manages complex claims, coordinates with vendors and internal partners, investigates damages, identifies coverage concerns and potential subrogation, and prepares estimates using estimating platforms and virtual inspection tools. The position may include attorney-involved claims and requires sound documentation, settlement decisions within authority, and collaboration with management on decisions outside authority. The adjuster may work catastrophe surges, mandatory on-call dates, evenings, weekends, or holidays, and may be deployed with minimal notice. Travel may be required for claims, training, and inspections. The role is expected to work independently on complex problems and serve as a resource to less experienced colleagues. Candidates should live in Las Vegas or be willing to self-relocate. The role requires the ability to travel 50–75% of the year and/or perform catastrophe duty when needed. 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, 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 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 USAA safe-driving requirements, including driving-record verification and possession of a valid driver’s license.
Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces; lift at least 35 pounds, including a ladder; and climb ladders and traverse roofs while working at heights.

Nice To Haves

US military experience through military service or as a military spouse/domestic partner.
Five 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 holding an active Adjuster License.
Currently residing within or being able to self-relocate to Las Vegas, Nevada.

Responsibilities

Manage an assigned caseload of complex property claims, applying appropriate coverage and potential legal liability knowledge.
Partner with vendors and internal business partners to resolve complex claims, and coordinate with external regulators as needed.
Investigate claim damages using information from insureds, third parties, and other sources; identify discrepancies and potential subrogation.
Identify coverage concerns, review prior loss history, and make Special Investigation Unit referrals when appropriate.
Analyze complex policy terms and contingencies to determine coverage.
Negotiate complex settlements within authority limits and collaborate with management on recommendations for amounts outside those limits.
Maintain accurate, thorough, and current claim file documentation.
Use estimating technology platforms and virtual inspection tools to prepare estimates and manage complex property claims.
Support workload surges and catastrophe operations, including on-call work and possible evening, weekend, holiday, and deployment travel.
Handle higher-complexity claims, including claims involving attorneys, and address jurisdictional issues such as 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 and procedures.
Serve as a resource for colleagues with less experience while independently solving complex problems.