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USAA · 22 hours ago

Property Adjuster Specialist - Desk

Phoenix, AZ

Full-time

Hybrid

Entry, Mid Level

$70K/yr - $134K/yr

2+ years exp

USAA is dedicated to empowering its members to achieve financial security through exceptional service and trusted advice. The Property Adjuster Specialist will investigate, evaluate, negotiate, and settle complex property insurance claims for members, ensuring compliance with state regulatory requirements.

BankingFinancial ServicesInsuranceVenture Capital

No H1B

Responsibilities

Proactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability

Partners with vendors and internal business partners to facilitate complex claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance

Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources. May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics

Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. Determines coverage through analyzing information involving complex policy terms and contingencies

Determines and negotiates complex claims settlement within authority limits. Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes

Maintains accurate, thorough, and current claim file documentation throughout the claims process

Advance knowledge of estimating technology platforms and virtual inspection tools. Utilizes platforms and tools to prepare claims estimates to manage complex property insurance claims

Supports 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

Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed

Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience

Adjusts complex claims with attorney involvement

Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations

May require travel to resolve claims, attend training, and conduct in-person inspections

Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

Qualification

Property claims adjustingXactimateNegotiation skillsResidential construction knowledgeInsurance adjuster licenseAnalytical skillsMulti-tasking skillsCommunication skillsConflict resolution skillsProblem-solving skills

Required

High School Diploma or General Equivalency Diploma required

2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages

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 and state laws and regulations

Proficient negotiation, investigation, communication, and conflict resolution skills

Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills

Ability to travel 50-75% 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

Preferred

US military experience through military service or a military spouse/domestic partner

5 years of prior experience handling higher severity/complex losses (i.e. vandalism, malicious mischief, foreclosures, earth movement, collapse, liability, etc.)

Prior experience adjusting property claims using virtual technologies

Prior property adjuster experience handling DWG, APS and ALE adjustments

Industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing)

Xactimate Level 1 and/or Level 2 certification

Experience handling Property Mitigation

Prior deployments in support of catastrophes

Currently hold an active Adjuster License

Currently reside or willing to self-relocate to Pacific or Mountain Time Zone (Including the state of Arizona)