Senior Personal Property Claims Adjuster – Field

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🌲 North Carolina, South Carolina – Remote

🌲 North Carolina – Remote 🌴 South Carolina – Remote

💵 $63.6k - $121.5k / year

⏰ Full Time

🟠 Senior

📋 Claims Specialist

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USAA

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1922

🏦 Banking

🛡️ Insurance

💸 Finance

Banking • Insurance • Finance

USAA is a financial services company that provides banking, insurance, and investment products to current and former military members and their families. The company is committed to superior customer service and secure technology for its members, offering a private portal for business access and interaction with their services.

📋 Description

• Investigate, evaluate, negotiate, and settle complex property insurance claims • Confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulations • Proactively manage an assigned caseload of moderately complex property claims • Partner with vendors and internal business partners to facilitate claim resolution • Coordinate with external regulators and maintain required documentation and compliance • Investigate damages using information from insureds, third parties, and external resources • Identify discrepancies, subrogation potential, coverage concerns, prior loss history, and SIU referral needs • Determine coverage by analyzing policy terms and contingencies • Negotiate claim settlements and collaborate with management on amounts outside authority limits • Maintain accurate, thorough, and current claim file documentation • Use estimating technology and virtual inspection tools to prepare claims estimates • Apply inspection, damage mitigation, and restoration industry standards • Serve as an informal resource for team members • Address jurisdictional challenges, legislation, and construction considerations • Support workload surges and catastrophe response operations, including on-call dates and possible evening, weekend, and holiday work • Travel for catastrophe deployments when assigned, potentially with minimal notice • Manage higher-complexity claims and additional duties as needed • Identify, monitor, and control risks in accordance with compliance policies and procedures

🎯 Requirements

• High School Diploma or General Equivalency Diploma • 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 • Proficiency in prioritizing and multitasking while navigating multiple business applications • Ability to travel up to 50% of the year, locally and non-locally, and/or work catastrophe duty when needed • Acquisition and maintenance of an insurance adjuster license within 90 days and three attempts • Prior experience using virtual claims technologies such as ClaimsXperience preferred • Prior advanced knowledge of XactContents preferred • Prior experience handling Contents-only higher-severity/complex large-loss claims preferred • Bachelor’s degree preferred • Industry designations such as CPCU, AIC, or SCLA preferred • Currently hold an active adjuster license preferred • Current residence in or ability to self-relocate within the Columbia, SC; Charlotte, NC; or Augusta, GA areas • US military experience through military service or a military spouse/domestic partner preferred • Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces • Must meet USAA safe driving requirements, including driving-record verification through MVR and possession of a valid driver’s license • Ability to lift at least 35 pounds, including a ladder • Ability to climb ladders, traverse roofs, and work at heights while inspecting roofs and attics • Must not require immigration support or visa sponsorship

🏖️ Benefits

• Paid overtime available • Company vehicle for physically inspecting losses within the locally assigned territory • Pay incentives may be available based on corporate and individual performance • Comprehensive medical, dental and vision plans • 401(k) • Pension • Life insurance • Parental benefits • Adoption assistance • Paid time off program • Paid holidays • 16 paid volunteer hours • Wellness programs • Career path planning • Continuing education • Support for active-duty military spouses • Remote or hybrid flexibility may be offered to active-duty military spouses consistent with policy and business needs