Senior Personal Property Claims Adjuster - Field

USAA•Atlanta, GA

7d•$63,590 - $121,530

About The Position

USAA is hiring an experienced Senior Field Property Adjuster specializing in large-loss contents claims in Georgia. The role investigates, evaluates, negotiates, and settles complex property insurance claims presented by or against members. The adjuster confirms and analyzes coverage, recognizes liability exposure, negotiates equitable settlements, and complies with state regulatory requirements while responding empathetically to members’ life events. Field Property Adjusters use technology and desk adjusting 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 respond to claims elsewhere, including catastrophe deployments with minimal notice. The position is hourly and non-exempt, with paid overtime available. Candidates living in Georgia or willing to self-relocate are encouraged to apply. The role includes managing moderate-complexity claims and may include higher-complexity claims or additional duties. Adjusters may support catastrophe operations and workload surges, including mandatory on-call dates and evening, weekend, or holiday work outside normal hours. Travel may reach 50% of the year. The salary range is $63,590 to $121,530, with actual pay varying by location, experience, and market data. Employees may be eligible for performance-based pay incentives. USAA does not provide visa sponsorship for this role.

Requirements

High school diploma or General Equivalency Diploma.
At least 2 years of relevant property adjusting and/or claims adjusting experience handling moderately complex claims, or construction-related industry/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 possession of a valid driver’s license.
Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces beneath homes.
Ability to lift at least 35 pounds, including lifting a ladder in and out of a car trunk.
Ability to climb ladders and traverse roofs, including working at heights while inspecting roofs and attics.

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-loss situations.
Bachelor’s degree.
Industry designations such as CPCU, AIC, or SCLA.
Currently residing in Georgia or able to self-relocate within Georgia.
Currently holding an active adjuster license.
US military experience through military service or as a military spouse/domestic partner.

Responsibilities

Manage an assigned caseload of property claims involving moderate-complexity damages and apply appropriate claims coverage knowledge.
Partner with vendors and internal business partners to resolve claims, and coordinate with external regulators when needed to support documentation and compliance.
Investigate claim damages using information from insureds, third parties, and external resources; identify and resolve discrepancies and recognize potential subrogation.
Identify coverage concerns, review prior loss history, make Special Investigation Unit referrals when appropriate, and determine coverage based on investigation findings and policy terms.
Determine and negotiate claims settlements; collaborate with management on settlement recommendations outside authority limits and manage claim outcomes accurately.
Maintain accurate, thorough, and current claim-file documentation throughout the claims process.
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.
Recognize and address jurisdictional challenges, including applicable legislation and construction considerations.
Support workload surges and catastrophe response operations as needed, including mandatory on-call dates and possible evening, weekend, or holiday work.
Travel for catastrophe deployments when assigned, potentially with minimal notice.
Handle different claim types, 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.