Property Claims Adjuster Specialist - Field

USAA•Jacksonville Metro, FL

5d•Onsite

About The Position

The Property Claims Adjuster Specialist investigates, evaluates, negotiates, and settles complex property insurance claims presented by or against USAA members, working within established guidelines and authority limits. The role analyzes coverage, identifies liability exposure, and negotiates equitable settlements in compliance with state regulations. It uses technology, estimating platforms, and virtual inspection tools as part of a virtual-first approach, while also conducting physical inspections in a locally assigned territory using a company vehicle. The position is field-based in the Jacksonville, Florida territory, with travel to other regions possible when needed. The adjuster manages a complex claims caseload, investigates damages and coverage, coordinates with vendors and internal partners, maintains claim documentation, and handles claims that may involve attorneys or jurisdictional issues. The role may support catastrophe operations, including on-call dates, deployment travel, and work outside normal hours. It is hourly, non-exempt, with paid overtime available.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of relevant property claims adjusting experience with moderately complex losses, including writing estimates for 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, 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 perform catastrophe duty when needed.
Acquire and maintain an insurance adjuster license within 90 days, with up to 3 attempts.
Ability to meet USAA safe driving requirements, including driving-record verification and possession of a valid driver's license, if required.
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 car trunk, if required.
Ability to climb ladders, 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/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 one.
Xactimate Level 1 and/or Level 2 certification.
Prior deployments in support of catastrophes.
Currently hold an active Adjuster License.
Currently reside within or be able to self-relocate to the Jacksonville, Florida territory.

Responsibilities

Manage assigned claims involving complex damages and apply knowledge of coverage, potential legal liability, and claims procedures.
Partner with vendors and internal business partners to facilitate complex claims resolution, coordinating with external regulators when needed.
Investigate claim damages using information from insureds, third parties, and other external sources.
Identify and resolve discrepancies, assess subrogation potential, review prior loss history, identify coverage concerns, and make Special Investigation Unit referrals when appropriate.
Analyze complex policy terms and contingencies to determine coverage.
Negotiate complex claim 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 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 claims of varying types and complexity, including claims involving attorneys, and take on additional work outside normal duties when assigned.
Work independently to solve complex problems and serve as a resource to less experienced colleagues.
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.