Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice

We seek to be the 1 choice for the military community and their families

Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members

Be part of what truly makes us special and impactful

The Opportunity As a dedicated Property Adjuster Specialist, you will work within defined guidelines and framework, investigate, evaluate, negotiate, and settle complex property insurance claims

You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements

Recognizes and empathizes with members life events, as appropriate

Property Adjuster Specialist focus on using technology and desk adjusting for a virtual first approach to inspections and claims handling. USAA also provides a company vehicle to physically inspect losses within your locally assigned territory

Field Adjusters may travel outside of their local territory to respond to claims in other regions when needed

This is an hourly, non-exempt position with paid overtime and CAT pay available

This is a field-based role in the Colorado Springs, CO area

Candidates who are willing and able to work in the this area are encouraged to apply

What you’ll do: 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

What you have: High School Diploma or General Equivalency Diploma

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

Successful completion of a job-related assessment may be required

What sets you apart: Experience on a Property Catastrophe team handling inside or field claims (i.e. wind, hail, hurricane, flooding) Experience adjusting large loss complex property claims caused by catastrophic events Residential property adjusting experience handling DWG, APS and ALE adjustments Estimate writing skills using Xactimate, ClaimX or virtual estimating Xactimate level 1 and/or level 2 certification Insurance Industry designations such as AINS, CPCU, AIC, SCLA Currently hold an active P&C Adjuster license Prior experience working directly for a standard insurance carrier Available to work extended hours to support CAT claims Currently reside in the Colorado Springs, CO area US military experience through military service or a military spouse/domestic partner Physical Demand Requirements: May require the ability to crouch and stoop to inspect confined spaces, to include attics and go beneath homes into crawl spaces

May need to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid drivers license

May require the ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a car

May require the ability to climb ladders and traverse roofs, this includes the ability to work at heights while inspecting roofs and attics

Compensation range: The salary range for this position is: $72,080 – $129,740. USAA does not provide visa sponsorship for this role

Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.)

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive

You are paid within the salary range based on your experience and market data of the position

The actual salary for this role may vary by location

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness

These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs

Additionally, our career path planning and continuing education assists employees with their professional goals

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled

Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.