Sr. TLE Auto Appraiser

USAA•Philadelphia Metro, PA

6d•Remote

About The Position

USAA is seeking a Sr. TLE Auto Appraiser to evaluate, investigate, negotiate, and appraise vehicle damage claims for both repairable and total loss vehicles. The role ensures estimate accuracy in compliance with state laws and regulations, while delivering exceptional member service through setting appropriate expectations, proactive communications, advice, and empathy. This position is remote eligible in Pennsylvania with occasional business travel.

Requirements

High School Diploma or General Equivalency Diploma.
2 years of auto appraising experience.
Proficient knowledge of P&C insurance policy contracts and coverages, auto parts distribution process and claim appraisal process and procedures.
Advanced working knowledge of estimating losses using CCC or similar estimating platforms.
Demonstrated written and verbal skills to communicate with members, claimants, repair facilities, and other internal and external stakeholders.
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

Nice To Haves

US military experience gained through military service or gained as a military spouse / domestic partner
I-CAR certification

Responsibilities

Evaluates and appraises highly complex auto physical damage claims in accordance with contract terms, corporate guidelines, and state laws and regulations using digital tools.
Investigates claim damages by communicating with the insured, internal claims adjusters, and third parties/vendors.
Reviews facts of loss and vehicle damage to determine subrogation opportunities and ensures all supporting physical damage documentation is in the claim.
Demonstrates advanced knowledge of P&C insurance industry products, services, contracts, and internal processes/systems/procedures to ensure compliance.
Reviews claims/suppliers for fraud indicators and refers to Special Investigations Unit if applicable.
Maintains accurate and current claim file documentation throughout the claims process for complex claims.
Maintains high standards of productivity through effective desk management, timely follow-ups, and accurate mapping of repair plans and timelines.
Reviews additional damages from repair facilities to complete a supplement or triage to a field provider.
May serve as a subject matter expert for disputed claims or trials.
Serves as a resource for team members on escalated issues of a routine nature.
Partners with vendors and internal business partners to facilitate the resolution of highest complexity claims.
May involve external regulatory coordination to ensure appropriate documentation and compliance.
Proactively provides policyholders with information regarding their coverage, repair estimate or total loss valuation, and claims/repair process while setting appropriate expectations.
Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work.
May be assigned CAT deployment travel with minimal notice during designated CATs.
Works various types of claims, including higher complexity ones, and may be assigned additional work outside normal duties as needed.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.