Senior Auto Appraiser – Field for Baltimore and Montgomery County, MD

USAA•Baltimore, MD

12d•$63,590 - $121,530•Onsite

About The Position

This is a field-based role serving the Baltimore and Montgomery County, Maryland area. The Senior Auto Appraiser investigates, negotiates, evaluates, and appraises vehicle damage claims involving repairable and total-loss vehicles, following established guidelines, state laws, regulations, and policy terms. The role delivers member service through proactive communication, clear expectations, advice, and empathy. It handles highly complex claims, works with members, claimants, repair facilities, vendors, and internal partners, and maintains accurate documentation throughout the claims process. The position may involve face-to-face inspections, catastrophe response and deployment travel, mandatory on-call dates, and work outside normal hours, including evenings, weekends, or holidays. It may also involve outdoor work and time in body shops or salvage yards. USAA’s mission is to empower members to achieve financial security and be the leading choice for the military community and their families. Its stated core values are honesty, integrity, loyalty, and service. The salary range is $63,590–$121,530, with potential performance-based incentives. USAA does not provide visa sponsorship for this role.

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 similar estimating platforms.
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.
Ability to operate a company vehicle within the assigned territory if required.
Ability to reach, handle, squat, bend, climb, and kneel as needed to inspect damaged vehicles.
Ability to work outdoors in inclement weather and potentially in body-shop or salvage-yard environments.
Meet USAA safe-driving requirements, including driving-record verification through MVR and possession of a valid driver’s license, if required.

Nice To Haves

I-CAR ProLevel 3 (Platinum) certification or actively pursuing ProLevel 3.
Experience as a Field Auto Appraiser with a P&C insurance carrier.
Experience and ability to prepare estimates and evaluations using the CCC estimating platform.
Experience and ability to balance accurate collision-repair estimates in virtual and field environments.
Ability to deploy for catastrophe response when needed.
U.S. 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 state laws and regulations.
Investigate claim damages by communicating with insureds, internal claims adjusters, and third parties or vendors; conduct face-to-face interactions when needed.
Review facts of loss and vehicle damage to identify possible subrogation opportunities and ensure supporting documentation is in the claim file.
Apply knowledge of P&C insurance products, services, contracts, internal processes, systems, and procedures to support compliance.
Review claims and suppliers for fraud indicators and refer applicable matters to the Special Investigations Unit.
Maintain accurate and current claim-file documentation for complex claims.
Manage workload, follow up promptly, and accurately map repair plans and timelines to support timely claims decisions.
Review additional damage submitted by repair facilities, complete a supplement, or triage the claim to a field-provider inspection method.
Represent the company as a subject matter expert in disputed claims or trials, and support team members with routine escalated issues.
Partner with vendors and internal business partners to resolve the highest-complexity claims; coordinate externally with regulators when needed.
Inform policyholders about coverage, repair estimates or total-loss valuations, and the claims and repair process while setting appropriate expectations.
Support workload surges and catastrophe response operations, including mandatory on-call dates and potential evening, weekend, and holiday work.
Travel for catastrophe deployments with minimal notice when assigned.
Handle various claim types, including higher-complexity claims, and other work as assigned.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.