Property Claims Adjuster

6 days ago


Colorado Springs, Colorado, United States USAA Full time
About the Role

As a dedicated Property Adjuster Specialist at USAA, you will play a critical role in investigating, evaluating, negotiating, and settling complex property insurance claims presented by or against our members. You will work within established guidelines and framework to confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with all state regulatory requirements.

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, which 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, and identify and resolve potential discrepancies and subrogation potential resulting from unusual characteristics.
  • Determine coverage concerns, review prior loss history, and create Special Investigation Unit (SIU) referrals when appropriate, and determine coverage through analyzing information involving complex policy terms and contingencies.
  • Determine and negotiate complex claims settlement within authority limits, develop recommendations, and collaborate with management for determining settlement amounts outside of authority limits, and accurately manage claims outcomes.
  • Maintain accurate, thorough, and current claim file documentation throughout the claims process.
  • Advance knowledge of estimating technology platforms and virtual inspection tools, and utilize platforms and tools to prepare claims estimates to manage complex property insurance claims.
  • 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.
  • 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: $67,220 - $121,000. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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.



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