Property General Adjuster - Field

USAA • San Antonio, TX

3d • Onsite

About The Position

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity As a dedicated Property General Adjuster, you will work within defined guidelines and framework to investigate, evaluate, negotiate and settle the highest complexity property insurance claims presented by or against our members. You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. You will recognize and empathize with members’ life events, as appropriate. USAA also provides a company vehicle to physically inspect losses within your locally assigned territory. Field Adjusters may travel outside of their local territory to respond to claims in other regions when needed. This is an hourly, non-exempt position with paid overtime available. This is a field-based role and the desire candidate needs to live in San Antonio, TX or Houston, TX . Candidates currently living in this location or willing to self-relocate are encouraged to apply.

Requirements

• High School Diploma or General Equivalency Diploma required.
• 4 years’ relevant property claims adjusting experience that includes writing estimates of moderate-highly complex claims and field adjusting experience.
• 2 years’ experience handling dwelling claims.
• Successfully acquire Property & Casualty (P&C) adjuster license and state registrations within 90 days of hire.
• Proficient knowledge of Xactimate or similar estimating platform.
• Expert knowledge estimating losses of moderate complexity.
• Advanced knowledge of property claims contracts and interpretation of case law.
• Proficient knowledge of residential construction.
• Demonstrated negotiation, investigation, communication and conflict resolution skills.
• Ability to travel 50-75% of the year (local & non-local) and/or work catastrophe duty when needed.

Nice To Haves

• General Adjuster experience with a Standard Insurance Carrier
• 5+ years of Property field adjuster experience handling large loss, heavy structure claims and ALE management
• 5+ years of experience handling dwelling claims in the field
• Xactimate Level 2 certification
• Insurance Industry designations such as CPCU, AIC, SCLA, AINS
• Currently hold an active P&C Adjuster License
• Currently reside or able to self-relocate to San Antonio, TX or Houston, TX

Responsibilities

• Manages assigned claims caseload comprised of claims with highest complexity damages that require considerable knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate highest complexity claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance.
• Extensive evaluation for highly complex claims, involving lengthy research and determination of settlement.
• Proactively identifies and engages in additional confirmation of potential discrepancies resulting from research involving complicated situations.
• Serves as a resource for less experience staff on complicated claim situations.
• Determines coverage through analyzing extensive information involving highly complex policy terms, including claim resolution.
• Communicates with insured about coverage or any issues that involve additional information or considerations regarding settlement amount.
• Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate.
• Determines and negotiates highly complex settlement. Makes recommendations to management for settlement amounts outside of authority limits.
• Maintains accurate and current claim file with critical documentation throughout the claims process for highly complex.
• Proficient knowledge of estimating technology platforms. Utilizes platforms to prepare claims estimates in order to manage complex property insurance claims.
• Serves as a subject matter expert for claims handling.
• Supports workload surges and/or Catastrophe (CAT) operations as needed to include working significant overtime; may require deployment travel during designated CATs.
• Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience.
• May require travel to resolve claims and conduct in-person inspections.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Benefits

• At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs.
• Additionally, our career path planning and continuing education assists employees with their professional goals.
• For more details on our outstanding benefits, visit our benefits page on USAAjobs.com

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 5,001-10,000 employees