Property General Claims Adjuster - Field

USAA•Richmond Metro, VA

5d•Onsite

About The Position

USAA is seeking a dedicated Property General Adjuster to investigate, evaluate, negotiate, and settle complex property insurance claims. This role involves confirming coverage, analyzing liability exposure, and negotiating settlements in compliance with state regulations, while also showing empathy towards members' life events. The company provides a company vehicle for local territory inspections, with potential travel to other regions. This is an hourly, non-exempt position with paid overtime available. The ideal candidate should reside within or be willing to relocate to the Richmond, VA or North Virginia territory.

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.
Must reside within Richmond, VA or North Virginia territory or be willing to self-relocate.

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

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.