Property Adjuster - Desk CAT Team

USAA is committed to empowering its members to achieve financial security through exceptional service and trusted advice. The Property Adjuster will investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims while ensuring compliance with state regulations and providing empathetic support to members during their life events.ResponsibilitiesProactively manages assigned claims caseload comprised of claims with low to moderate complexity damages that require commensurate knowledge and understanding of claims coveragePartners with vendors and internal business partners to facilitate low to moderate complexity claims resolutionMay also involve external regulatory coordination to ensure appropriate documentation and complianceInvestigates claim damages by conducting research from various sources, including the insured, third parties, and external resourcesMay identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristicsIdentifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriateDetermines coverage through analyzing investigation information involving low to moderate complexity policy terms and contingenciesDetermines and negotiates low to moderate complexity claims settlementCoordinates with management for guidance on assessing settlement amounts outside of authority limits to support managing claims outcomesMaintains accurate, thorough, and current claim file documentation throughout the claims processApplies knowledge of estimating technology platforms and virtual inspection tools to prepare and manage low to moderate complexity property insurance claims estimatesRecognizes and addresses jurisdictional challenges such as applicable legislation and construction considerationsSupports 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 hoursMay be assigned CAT deployment travel with minimal notice during designated CATsWorks various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as neededEnsures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and proceduresSkillsHigh School Diploma or General Equivalency Diploma1 year of experience handling low complexity property claims and/or customer service, military leadership, construction related industry/insurance experienceKnowledge of estimating losses using Xactimate or similar tools and platformsDemonstrated negotiation, investigation, communication, and conflict resolution skillsWorking knowledge and understanding of claims contracts as well as application of case law and state laws and regulationsAbility to prioritize and multi-task, including navigating through multiple business applicationsMay need to travel up to 25% of the year (local & non-local) and/or work catastrophe duty when neededAcquisition and maintenance of insurance adjuster license within 90 days and 3 attemptsCurrently reside in the Eastern or Central time zones, within catastrophe prone areas1+ years of residential property adjusting of moderate complexity claims1+ years of estimate writing skills using Xactimate, Claim X or virtual estimatingProficient with virtual tools (such as Claim X, Hover, and Hosta)Handling claims from start (FNOL, reviewing policy, making coverage decisions) to finish including settlementExperience scoping the loss, assessing damages, interpreting policy and making claim decisionsExperience on a Property Catastrophe team handling inside or field claims (i.e. wind, hail, hurricane, flooding)Knowledge of homeowner property policies and endorsementsCurrently hold an active P&C Adjuster licensePrior experience working directly for a standard insurance carrierAbility to work overtime and extended hours to support CAT claimsUS military experience through military service or a military spouse/domestic partnerBenefitsComprehensive medical, dental and vision plans401(k)PensionLife insuranceParental benefitsAdoption assistancePaid time off program with paid holidays plus 16 paid volunteer hoursVarious wellness programsCompany OverviewUSAA is a financial services company. It was founded in 1922, and is headquartered in San Antonio, Texas, USA, with a workforce of 10001+ employees. Its website is https://www.usaa.com.



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