Inside Property Adjuster - CAT Team

Job Description

Purpose of Job

Let’s do something that really matters.
We have an important mission: serving the members of the military community and their families. It’s both a chance to say thank you and the opportunity to put your talents to work in a meaningful way. To do it right, we need the right people. We’re looking for those who share our values of honesty, integrity, loyalty and service. Because what we do is just as important as how we do it. Military Veterans and Spouses are highly encouraged to apply!
Our Property Insurance Adjuster role may be the career for you. There’s a lot to learn, but the journey is mapped out. Our comprehensive, fully paid six week training program including class discussions, hands-on training, e-learning modules, and instructor led guidance to help you support our membership independently.
We have desk based positions available for hybrid work situations. Candidates are expected to live within a commutable distance of one of our offices in San Antonio, TX, Phoenix, AZ, Tampa, FL, Chesapeake, VA, or Colorado Springs, CO and willing to adopt a hybrid work situation defined as at least 3 days in the office, or based on business needs. This is an hourly, non-exempt position with paid overtime available.

Job Requirements

As a Property Insurance Adjuster, you will work within established guidelines and framework to investigate, evaluate, negotiate, and settle moderate to complex property insurance claims presented by or against our members. You will confirm and analyzes coverage, recognize liability exposure and negotiate equitable settlements in compliance with all state regulatory requirements. The ideal candidate will possess strong virtual estimating skills for minimal to low severity losses and/or reconcile estimates while working in a telephone concentrated environment without physical inspection of loss.

Primary Responsibilities:

• Identifies and handles existing and emerging risks that stem from business activities and the job role.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
• Follows written risk and compliance policies and procedures for business activities.
• Handles assigned claims caseload comprised of claims with moderate to complex damages. Updates initial reserve levels decided by complexity. Leverages digital platform(s) to prepare estimates.
• Partners with vendors and internal business partners to initiate inspections and facilitate moderately complex claims resolution.
• Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources. May identify and resolve potential discrepancies 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 investigation information involving moderate to complex claim recommendation and resolution.
• Communicates with insured about coverage and any issues that arise. Determines and negotiates settlement amounts for damages claimed.
• Maintains accurate and current claim file documentation throughout the claims process for moderate to complex claims.
• Proficient knowledge of estimating technology platforms to prepare claims estimates in order to handle moderate to complex property insurance claims.
• Supports workload surges and/or Catastrophe (CAT) operations as needed to include working significant overtime; may involve deployment travel during designated CATs.
• Recognizes and solves obstacles that can occur in the claims process without supervisory approval.

Minimum Requirements:

• High School Diploma or GED
• 1 year of relevant property claims adjusting experience or 2 years relevant claims adjusting experience
• Successfully acquire Property & Casualty (P&C) adjuster license and state registrations within 90 days of hire
• Developing knowledge of XactAnalysis, Xact Contents, or similar tools and platforms
• Developing knowledge of property claims contracts and interpretation of case law

Preferred:

• Served in the US Military or Military Spouse
• Demonstrated abilities using estimating software such as Xactimate​​ to prepare estimates for moderate to complex property claims
• Experience using virtual tools such as Claims X to desk adjust property claims
• Experience on a Property Catastrophe team handing inside or field claims (i.e., wind, hail, hurricane, flooding)
• Experience using high resolution aerial imagery, reviewing before and after imagery of residential structures to assess damages and make claim decisions
• ​Previous experience in construction, restoration, or claims​​
• ​​ Currently hold an active P&C adjuster license
• Ability to work overtime and extended hours to support CAT claims
• Located within a commutable distance to an office location or willing to self-relocate

Work from home member contact employees must have access to minimum broadband internet connection standards as defined by CTDO. Current requirements are as follows:

• This is not a mobile position and will require a desktop computer set up (provided) and hard-wired via an ethernet cord directly into your router (no Wi-Fi).
• Bandwidth must have minimum capability of consistent speeds of 25 Mbps download and 5 Mbps upload.
• Wireless and Satellite coverage is currently not approved.
• Must be able to provide workspace at home that is safe, suitable for work, and provide a distraction free environment from background noises that may distract a member or internal USAA customer.
• In some roles you will be expected to use a webcam for training, please be prepared every day to turn on your webcam USAA provides.

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.

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 position. The salary range for this position is: $46,000 - $82,900*(this does not include geographic differential it may be applied based on your work location)

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

*Geographical Differential: Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

Shift premium: will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours.

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.

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Relocation assistance is not available for this position.