Sr. Auto Field Appraiser (Providence, RI)

USAA • Providence, RI

2d • $69,480 - $125,060 • Onsite

About The Position

As a dedicated Field Senior Auto Appraiser, you will investigate, negotiate, evaluate, and appraise vehicle damage claims involving repairable and total-loss vehicles. You will work within defined guidelines and frameworks to ensure estimate accuracy and compliance with state laws and regulations, while delivering exceptional member service through appropriate expectations, proactive communication, advice, and empathy.

This is a field-based role in the Providence, Rhode Island metropolitan area. The position handles highly complex claims using digital tools and may involve face-to-face interactions with members and third parties. It also supports workload surges and catastrophe response operations, which may require on-call availability, evening, weekend, or holiday work, and travel with minimal notice during designated catastrophes.

Requirements

• High school diploma or General Equivalency Diploma.
• Two years of auto appraising experience.
• Proficient knowledge of P&C insurance policy contracts and coverages, auto parts distribution, 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 internal and external stakeholders.
• Acquire and maintain an insurance adjuster license within 90 days, with up to three attempts.
• May need to meet USAA safe-driving requirements, including verification of driving record through MVR and possession of a valid driver's license.

Nice To Haves

• Experience as a Field Auto Appraiser with a P&C insurance carrier and/or as a body-shop estimator.
• Experience and ability to prepare estimates and evaluations using the CCC estimating platform.
• Experience and ability to balance accurate collision repair estimates in a field environment.
• Experience completing estimates on exotic and electric vehicles.
• Completed designations such as I-CAR Platinum or ASE.
• Strong customer-service and communication skills.

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 insureds, internal claims adjusters, and third parties or vendors; conduct face-to-face interactions when needed.
• Review facts of loss and vehicle damage for potential subrogation opportunities and ensure supporting physical-damage documentation is included in the claim.
• Apply advanced knowledge of P&C insurance products, services, contracts, processes, systems, and procedures to ensure compliance.
• Review claims and suppliers for fraud indicators and refer applicable matters to the Special Investigations Unit.
• Maintain accurate, current claim-file documentation throughout the claims process.
• Manage desk work effectively, complete timely follow-ups, and accurately map repair plans and timelines to support prompt, accurate claims adjudication.
• Review additional damage reported by repair facilities and 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 most complex claims; coordinate with external regulators when needed to ensure documentation and compliance.
• Provide policyholders with information 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, holiday, and travel requirements.
• Handle various 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.

Benefits

• Comprehensive medical, dental, and vision plans.
• 401(k) and pension.
• Life insurance.
• Parental benefits and adoption assistance.
• Paid time off, paid holidays, and 16 paid volunteer hours.
• Wellness programs.
• Career-path planning and continuing education to support professional goals.
• Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED