Inside Senior Property Adjuster - Houston, TX

USAA•Houston Metro, TX

6d•Hybrid

About The Position

As a Senior Property Adjuster, you will work with defined guidelines and framework to investigate, evaluate, negotiate, and settle complex property insurance claims presented by or against our members. This role involves confirming/analyzing coverage, recognizing liability exposure, and negotiating equitable settlements in compliance with all state regulatory requirements. You will also recognize and empathize with members' life events, as appropriate. This position is remote eligible in the continental U.S., but individuals residing within a 60-mile radius of a USAA office will be expected to work on-site three days per week. The Inside Senior Property Adjuster role is a telephone-concentrated environment without physical inspection of loss. This is an hourly, non-exempt position with paid overtime available. Training will be approximately 12 weeks, Monday – Friday, with hours that may vary by location. Upon successful completion of training, employees will transition to an eight-hour work shift ranging between 8:00 am – 5:30 pm (local time) Monday to Friday, with availability for occasional evenings and weekends based on business needs. This position is for the Houston, TX Metro area.

Requirements

High School Diploma or General Equivalency Diploma.
2 years 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.
Proficient in prioritizing and multi-tasking, including navigating through multiple business applications.
May need to travel up to 50% of the year (local & non-local) and/or work catastrophe duty when needed.
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

Nice To Haves

Currently reside in the Houston, TX Metro area.
Experience handling water loss claims including water mitigation, water loss estimating and reconciliation.
Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies (Hosta, Hover, Xactimate, ClaimsX).
Experience handling large loss complex claims (i.e., water, vandalism, malicious mischief, foreclosures, earth movement, appraisal, collapse, etc.).
Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement).
Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing).
Proficiency in Xactimate (Level 1 and/or Level 2 certification).
Experience in a call center environment.
Currently hold an active Adjuster License.
Bachelor’s degree.
US military experience through military service or a military spouse/domestic partner.

Responsibilities

Proactively manage assigned claims caseload comprised of claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
Partner with vendors and internal business partners to facilitate moderate complexity claims resolution.
May also involve external regulatory coordination to ensure appropriate documentation and compliance.
Investigate claim damages by conducting research from various sources, including the insured, third parties, and external resources.
May identify and resolve potential discrepancies and identify subrogation potential resulting from unusual characteristics.
Identify coverage concerns, review prior loss history, determine and create Special Investigation Unit (SIU) referrals, when appropriate.
Determine coverage through analyzing investigation information involving moderate complexity policy terms and contingencies.
Determine and negotiate moderate complexity claims settlement.
Develop recommendations and collaborate with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes.
Maintain accurate, thorough, and current claim file documentation throughout the claims process.
Apply proficient knowledge of estimating technology platforms and virtual inspection tools; Utilize platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims.
Apply working knowledge of industry standards of inspection, damage mitigation and restoration techniques.
Serve as an informal resource for team members.
Recognize and address jurisdictional challenges such as applicable legislation and construction considerations.
Support workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.
May be assigned CAT deployment travel with minimal notice during designated CATs.
Work various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.