Property Claims Adjuster Specialist - Field

USAA•Charlotte, NC

19d•$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 for a virtual-first approach to inspections and claims handling, while also conducting physical inspections within an assigned local territory using a company vehicle. The role is field-based in Charlotte, North Carolina; travel outside the local territory may be needed to respond to claims in other regions. This hourly, non-exempt position offers paid overtime. The adjuster manages complex claims independently, including claims with attorney involvement, and serves as a resource to less-experienced colleagues. Work may include catastrophe response deployments, mandatory on-call dates, and evening, weekend, or holiday work outside normal hours. Travel may be required for claims, training, and in-person inspections.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of relevant property claims adjusting experience involving moderately complex losses, including writing estimates for dwelling and structural damages.
Advanced knowledge of estimating losses with 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.
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 through MVR and possession of a valid driver's license, as applicable.
Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces, as applicable.
Ability to lift at least 35 pounds, including lifting a ladder in and out of a car trunk, as applicable.
Ability to climb ladders, traverse roofs, and work at heights while inspecting roofs and attics, as applicable.

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 having the ability to self-relocate to Charlotte, North Carolina.

Responsibilities

Proactively manage an assigned caseload of complex property claims, applying knowledge of coverage and potential legal liability.
Partner with vendors and internal business partners, and coordinate with external regulators when needed, to resolve claims and ensure appropriate documentation and compliance.
Investigate claim damages using information from insureds, third parties, and external sources; identify and resolve discrepancies and recognize potential subrogation.
Identify coverage concerns, review prior loss history, determine when Special Investigation Unit referrals are appropriate, and analyze complex policy terms and contingencies to determine coverage.
Determine and negotiate complex claim 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 potential evening, weekend, and holiday work.
Travel for catastrophe deployments, claims resolution, training, and in-person inspections as needed, potentially with minimal notice during designated catastrophes.
Handle claims of varying types and complexity, including claims involving attorneys, and take on additional work outside normal duties as needed.
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.