Senior Property Claims Adjuster
2 months ago
USAA is seeking a highly skilled Senior Property Claims Adjuster to join our team. As a key member of our claims team, you will be responsible for investigating, evaluating, and negotiating complex property insurance claims presented by or against our members.
Key Responsibilities- Manage assigned claims caseload comprised of claims with complex damages, including specialty claims, and update initial reserve levels.
- Partner with vendors and internal business partners to facilitate complex claims, and may 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.
- Proactively identify and engage in additional confirmation of potential discrepancies involving complicated situations.
- Provide informal coaching and guidance to less experienced staff as needed.
- Identify coverage concerns, review prior loss history, determine and create Special Investigation Unit (SIU) referrals when appropriate, and determine coverage through analyzing information involving complex policy terms and contingencies.
- Communicate with insured about coverage or any issues that involve additional information or considerations regarding settlement amount.
- Determine and negotiate complex claims settlement, making recommendations to management for settlement amounts outside of authority limits.
- Maintain accurate and current claim file documentation throughout the claims process for complex claims.
- Utilize estimating technology platforms to prepare claims estimates and manage complex property insurance claims.
- Support workload surges and/or Catastrophe (CAT) operations as needed, including working significant overtime and potential deployment travel during designated CATs.
- May act as an informal resource for team members with less experience.
- Recognize and solve obstacles that occur in the claims process without supervisory approval.
- May require limited travel to resolve claims and conduct in-person inspections.
- Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
- High School Diploma or GED
- 2 years' relevant property claims adjusting experience of moderate complexity, including writing estimates involving dwelling and structural damages
- Successfully acquire Property & Casualty (P&C) adjuster license and state registrations within 90 days of hire
- Proficient knowledge of Xactimate or similar estimating platform
- Advanced knowledge estimating losses of moderate complexity
- Proficient knowledge of property claims contracts and interpretation of case law
- Demonstrated negotiation, investigation, communication, and conflict resolution skills
- Developing knowledge of residential construction
- US military service or military spouse
- Experience desk adjusting property claims involving DWG, APS, and ALE using virtual technologies such as ClaimsXperience
- Experience handling large loss complex claims (i.e., vandalism, malicious mischief, foreclosures, earth movement, collapse, liability, etc.)
- Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing)
- Xactimate Level 1 and/or Level 2 certification
- Currently hold an active Adjuster License
- Bachelor's degree
- Experience in a call center environment
USAA offers a competitive salary range of $59,070 - $106,340, as well as a comprehensive benefits package, including medical, dental, and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays, and various wellness programs. Additionally, our career path planning and continuing education assist employees with their professional goals.
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