Senior Auto Appraiser – Field for Bryan-College Station, TX Area

USAA•College Station, TX

15h•$69,480 - $125,060•Onsite

About The Position

This field-based role covers the Bryan-College Station, Texas area, including Bryan-College Station, Brenham, Chappell Hill, Hempstead, Prairie-View, Madisonville, Hearne, Caldwell, and surrounding areas. Within defined guidelines, the Senior Auto Appraiser investigates, negotiates, evaluates, and appraises vehicle damage claims for repairable and total-loss vehicles to ensure estimate accuracy and compliance with state laws and regulations. The role focuses on providing exceptional member service through clear expectations, proactive communication, advice, and empathy. The appraiser uses digital tools to handle highly complex auto physical-damage claims, investigates losses, documents claim files, identifies possible subrogation and fraud concerns, and coordinates with repair facilities, vendors, internal partners, and regulators as needed. The role may include face-to-face interactions, serving as a subject matter expert on disputed claims or trials, and helping team members resolve escalated issues. The position supports workload surges and catastrophe-response operations, which may involve on-call dates, evening, weekend, or holiday work outside normal hours and travel with minimal notice during designated catastrophes. Additional duties outside normal responsibilities may be assigned.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of auto appraising experience.
Proficient knowledge of P&C insurance policy contracts and coverages, the auto parts distribution process, and claim appraisal processes and procedures.
Advanced working knowledge of estimating losses using CCC or a similar estimating platform.
Demonstrated written and verbal communication skills for working with members, claimants, repair facilities, and other internal and external stakeholders.
Acquire and maintain an insurance adjuster license within 90 days, with up to 3 attempts.
May need to operate a company vehicle within the assigned territory.
May need to reach, handle, squat, bend, climb, and kneel to inspect damaged vehicles.
May need to work outdoors in inclement weather and may be exposed to body shop or salvage yard environments up to 25% of the time.
May need to meet USAA safe-driving requirements, including motor vehicle record verification and possession of a valid driver's license.

Nice To Haves

Active Texas All-Lines Adjusters License.
I-CAR ProLevel 3 (Platinum) certification or actively pursuing ProLevel 3.
Experience as a Field Auto Appraiser with a Property & Casualty insurance carrier.
US military experience gained through military service or as a military spouse or domestic partner.

Responsibilities

Evaluate and appraise highly complex auto physical-damage claims using digital tools and in accordance with contracts, corporate guidelines, and applicable laws and regulations.
Investigate claim damages by communicating with insured members, internal claims adjusters, and third parties or vendors; some interactions may be face-to-face.
Review facts of loss and vehicle damage for subrogation opportunities and ensure supporting physical-damage documentation is included in claim files.
Apply knowledge of P&C insurance products, services, contracts, and internal processes to support compliance with laws, regulations, and policy provisions.
Review claims and suppliers for fraud indicators and refer cases to the Special Investigations Unit when applicable.
Maintain accurate, current claim-file documentation throughout the claims process.
Manage desk workload, follow up in a timely manner, and accurately map repair plans and timelines to support timely and accurate claims adjudication.
Review additional damage reported by repair facilities, completing a supplement or triaging the claim to a field-provider inspection method.
May represent the organization as a subject matter expert for disputed claims or trials and serve as a resource on routine escalated issues.
Partner with vendors and internal business partners to resolve the highest-complexity claims; coordinate with external regulators when needed to ensure appropriate documentation and compliance.
Proactively explain coverage, repair estimates or total-loss valuations, and the claims and repair process to policyholders while setting appropriate expectations.
Support workload surges and catastrophe-response operations, including mandatory on-call dates and potential evening, weekend, or holiday work.
May travel on catastrophe deployments with minimal notice during designated catastrophes.
Handle various claims, including higher-complexity claims, and perform additional work outside normal duties as needed.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.