Field Adjuster Jobs

About The Position

Requirements

• High school diploma or General Equivalency Diploma.
• At least 2 years of relevant property claims adjusting experience with moderately complex losses, including writing estimates for dwelling and structural damage.
• Advanced knowledge of estimating losses using Xactimate or similar tools and platforms.
• Proficient knowledge of residential construction.
• Proficient knowledge of property claims contracts and interpretation of case law, state laws, and regulations.
• Proficient negotiation, investigation, communication, and conflict-resolution skills.
• Demonstrated investigatory, analytical, prioritizing, multitasking, and problem-solving skills.
• Ability to travel 50–75% of the year, locally and non-locally, and/or work catastrophe duty when needed.
• Acquire and maintain an insurance adjuster license within 90 days and within 3 attempts.
• Ability to meet USAA safe-driving requirements, including driving-record verification and possession of a valid driver's license, as applicable.
• Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces; lift at least 35 pounds, including a ladder; climb ladders; and traverse roofs and work at heights, as applicable.

Nice To Haves

• US military experience through military service or as a military spouse/domestic partner.
• 5 years of prior field experience handling higher-severity or complex losses, such as vandalism, malicious mischief, foreclosures, earth movement, collapse, or liability.
• Prior experience adjusting property claims using virtual technologies.
• Prior property field-adjuster experience handling DWG, APS, and ALE adjustments.
• Industry designations such as AINS, CPCU, AIC, or SCLA, or actively pursuing one.
• Xactimate Level 1 and/or Level 2 certification.
• Prior deployments in support of catastrophes.
• Currently hold an active adjuster license.
• Currently reside within or be able to self-relocate to the Pensacola, Florida territory.

Responsibilities

• Manage an assigned caseload of complex property claims requiring knowledge of coverage and potential legal liability.
• Partner with vendors and internal business partners to facilitate complex claims resolution, and coordinate with external regulators when needed.
• Investigate claim damages using information from insured parties, third parties, and other external sources.
• Identify and resolve potential discrepancies and identify subrogation opportunities.
• Identify coverage concerns, review prior loss history, and determine and create Special Investigation Unit referrals when appropriate.
• Analyze complex policy terms and contingencies to determine coverage.
• Determine and negotiate complex claim settlements within authority limits; collaborate with management on recommendations for settlements outside those limits.
• Accurately manage claim outcomes and maintain thorough, current claim-file documentation throughout the claims process.
• Use estimating technology platforms and virtual inspection tools to prepare estimates and manage complex property claims.
• Support workload surges and catastrophe-response operations, including on-call duty and possible evening, weekend, or holiday work.
• Handle different claim types, including claims of higher complexity, and take on additional work as needed.
• Adjust complex claims involving attorneys and address jurisdictional challenges, including legislation and construction considerations.
• Travel as needed to resolve claims, attend training, and conduct in-person inspections.
• Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Benefits

• Comprehensive medical, dental, and vision plans.
• 401(k) and pension.
• Life insurance.
• Parental benefits.
• Adoption assistance.
• Paid time off, including paid holidays.
• 16 paid volunteer hours.
• Wellness programs.
• Career-path planning and continuing education.