Insurance Claims Adjuster

2 weeks ago


Warwick, Rhode Island, United States USAA Full time
About the Role

As a Property Adjuster Specialist at USAA, you will play a critical role in facilitating the financial security of U.S. military members and their families. You will work within established guidelines and framework to investigate, evaluate, negotiate, and settle complex property insurance claims presented by or against our members.

Key Responsibilities
  • Proactively manage assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability.
  • Partner with vendors and internal business partners to facilitate complex 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.
  • Determine 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.
  • Determine and negotiate 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.
  • Maintain 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.
Requirements
  • 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 We Offer

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. The salary range for this position is: $73,640 - $132,220.

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

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.

For more details on our outstanding benefits, please visit our benefits page on https://www.usaa.com/inet/ent_ext_benefits.

Relocation assistance is not available for this position.

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.



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