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USAA · 1 day ago

Sr. Property Adjuster

Chesapeake

Full-time

Hybrid

Mid, Senior Level

$64K/yr - $114K/yr

2+ years exp

USAA is dedicated to empowering its members to achieve financial security and is seeking a Senior Property Adjuster. In this role, you will investigate, evaluate, negotiate, and settle complex property insurance claims while ensuring compliance with state regulatory requirements.

BankingFinancial ServicesInsuranceVenture Capital

Responsibilities

Proactively manage assigned claims caseload comprised of claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage

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

Investigate 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

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

Determine and negotiates moderate complexity claims settlement. Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes

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

Apply proficient knowledge of estimating technology platforms and virtual inspection tools; Utilizes platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims

Apply working knowledge of industry standards of inspection, damage mitigation and restoration techniques

Serve as an informal resource for team members

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

Support 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

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

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

Qualification

Property adjusting experienceXactimate proficiencyNegotiation skillsResidential construction knowledgeClaims contracts knowledgeInsurance adjuster licenseMulti-tasking abilityCall center experienceTeam resourceMilitary experienceCommunication skillsConflict resolution skills

Required

High School Diploma or General Equivalency Diploma

2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience

Developed 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

Proficient in prioritizing and multi-tasking, including navigating through multiple business applications

May need to travel up to 50% 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

Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies (Hosta, Hover, Xactimate, ClaimsX)

Experience handling large loss complex claims (i.e., water, vandalism, malicious mischief, foreclosures, earth movement, appraisal, collapse, etc.)

Experience handling water loss claims including water mitigation, water loss estimating and reconciliation

Experience with full file ownership

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

Xactimate Level 1 and/or Level 2 certification

Experience in a call center environment

Currently hold an active Adjuster License

Bachelor's degree

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