Senior Personal Property Claims Adjuster - Field

USAA•Atlanta Metro, GA

About The Position

USAA is hiring a Senior Field Property Adjuster specializing in large-loss contents claims in Georgia. The role investigates, evaluates, negotiates, and settles complex property insurance claims under defined guidelines, confirming coverage, assessing liability exposure, and reaching equitable settlements in compliance with state regulations. The adjuster works with members, vendors, internal business partners, and, when needed, external regulators, while maintaining thorough claim documentation and recognizing members’ circumstances with empathy. Field adjusters use technology and desk-adjusting methods for a virtual-first approach to inspections and claims handling. USAA provides a company vehicle for physical inspections within the locally assigned territory. Travel outside the local territory may be required to assist with claims elsewhere. The position is hourly and non-exempt, with paid overtime available. It may include catastrophe response, mandatory on-call dates, deployment travel with minimal notice, and evening, weekend, or holiday work. The role may also involve work on higher-complexity claims or duties outside normal responsibilities.

Requirements

High school diploma or GED.
At least 2 years of relevant property adjusting or claims adjusting experience handling moderately complex claims, or construction-related industry or insurance experience.
Developing knowledge of residential construction.
Working knowledge of estimating losses using Xactimate or similar tools and platforms.
Demonstrated negotiation, investigation, communication, and conflict-resolution skills.
Working knowledge of property claims contracts and interpretation of case law and state laws and regulations.
Ability to prioritize and multitask, including navigating multiple business applications.
Ability to travel up to 50% of the year, locally and non-locally, and/or work catastrophe duty when needed.
Acquire and maintain an insurance adjuster license within 90 days, with up to 3 attempts.
May need to meet USAA safe-driving requirements, including motor vehicle record verification and a valid driver’s license.
May need to crouch and stoop to inspect confined spaces, including attics and crawl spaces; lift at least 35 pounds; climb ladders; and traverse roofs and work at heights.

Nice To Haves

Prior experience adjusting property claims using virtual technologies such as ClaimsXperience.
Prior advanced knowledge of XactContents.
Prior experience handling contents-only claims in higher-severity, complex large losses.
Bachelor’s degree.
Industry designations such as CPCU, AIC, or SCLA.
Currently reside within, or be able to self-relocate within, Georgia.
Currently hold an active adjuster license.
US military experience through military service or as a military spouse/domestic partner.

Responsibilities

Manage an assigned caseload of moderately complex property claims and facilitate resolution with vendors and internal business partners.
Investigate claim damages using information from insureds, third parties, and other external resources; identify discrepancies and potential subrogation opportunities.
Identify coverage concerns, review prior loss history, and make Special Investigation Unit referrals when appropriate.
Analyze policy terms, investigation findings, and contingencies to determine coverage.
Negotiate settlements for moderately complex claims and collaborate with management on settlement recommendations outside the adjuster’s authority limits.
Maintain accurate, thorough, and current claim-file documentation.
Use estimating technology platforms and virtual inspection tools to prepare estimates and manage property claims.
Apply industry standards for inspections, damage mitigation, and restoration techniques.
Serve as an informal resource for team members and address jurisdictional issues, including legislation and construction considerations.
Support workload surges and catastrophe response, including on-call duty, possible evening, weekend, or holiday work, and deployment travel when assigned.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.