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USAA

Senior Inside Property Claim Adjuster

LocationTampa Campus; Colorado Springs Campus; San Antonio Home Office I; CVA,VA-Crossways I & II; Phoenix Campus (Main)
Also inChesapeake, VA
Work modehybrid
Typefull-time
SenioritySenior
Experience2+ yrs
Company size10,000+ people
First seenOct 7, 2026 · 4d ago
Verified live1d ago
At a glanceSummarised by Seekless from the posting.
Must have10
High School Diploma or General Equivalency Diploma
2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience
Experience handling water loss claims including water mitigation, water loss estimating, and reconciliation
Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement)
Developing (Working) knowledge of residential construction
Working knowledge of estimating losses using Xactimate or similar tools and platforms
Demonstrated negotiation, investigation, communication, and conflict resolution skills
Working knowledge of property claims contracts and interpretation of case law and state laws and regulations
Proficient in prioritizing and multi-tasking, including navigating through multiple business applications
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts
Nice to have7
Virtual Property Adjusting: Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies such as Hosta, Hover, Xactimate, and ClaimsX
Industry Designations: Insurance industry credentials such as AINS, CPCU, AIC, or SCLA, or actively pursuing certification
Estimating Expertise: Proficiency in Xactimate, including Level 1 and/or Level 2 certification
Customer Service: Experience working in a call center or high-volume customer interaction environment
Currently hold an active Adjuster License
Bachelor's degree
US military experience through military service or a military spouse/domestic partner
Eligibility1
USAA does not provide visa sponsorship for this role
Skills
Xactimate
Hosta
Hover
ClaimsX
Benefits
Health insurance
Dental insurance
Vision insurance
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off
Paid holidays
Volunteer time off
Tuition reimbursement
Why USAA?
At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.
Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.
We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.
The Opportunity
As a Senior Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate and settle complex property insurance claims presented by or against our members. Confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. Recognize and empathize with members’ life events, as appropriate.
This hybrid role requires an individual to be in the office 3 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Colorado Springs, CO, Tampa, FL or Chesapeake, VA.
Relocation assistance is not available for this position.
The Inside Senior Property Adjuster role is a telephone concentrated environment without physical inspection of loss. This is an hourly, non-exempt position with paid overtime available. Training will be approximately 12 weeks, Monday – Friday and hours may vary by location. Upon successful completion of training, employees will transition to an eight-hour work shift ranging between 8:00 am – 5:30 pm (local time) Monday to Friday with availability for occasional evenings and weekends based on business needs.
What you’ll do:
•
Proactively manage assigned claims caseload comprised of claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
•
Partner with vendors and internal business partners to facilitate moderate complexity 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 identify subrogation potential resulting from unusual characteristics.
•
Identify coverage concerns, review prior loss history, determine and create Special Investigation Unit (SIU) referrals, when appropriate. Determine coverage through analyzing investigation information involving moderate complexity policy terms and contingencies.
•
Determine and negotiate moderate complexity claims settlement. Develop recommendations and collaborate 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.
•
Apply proficient knowledge of estimating technology platforms and virtual inspection tools; Utilize platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims.
•
Apply working knowledge of industry standards of inspection, damage mitigation and restoration techniques.
•
Serve as an informal resource for team members.
•
Recognize and address jurisdictional challenges such as applicable legislation and construction considerations.
•
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.
•
Work various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
•
Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
What you have:
•
High School Diploma or General Equivalency Diploma.
•
2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience.
•
Experience handling water loss claims including water mitigation, water loss estimating, and reconciliation.
•
Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement).
•
Developing (Working) knowledge of residential construction.
•
Working knowledge of estimating losses using Xactimate or similar tools and platforms.
•
Demonstrated negotiation, investigation, communication, and conflict resolution skills.
•
Working knowledge of property claims contracts and interpretation of case law and state laws and regulations.
•
Proficient in prioritizing and multi-tasking, including navigating through multiple business applications.
•
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
What sets you apart:
•
Virtual Property Adjusting: Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies such as Hosta, Hover, Xactimate, and ClaimsX.
•
Industry Designations: Insurance industry credentials such as AINS, CPCU, AIC, or SCLA, or actively pursuing certification.
•
Estimating Expertise: Proficiency in Xactimate, including Level 1 and/or Level 2 certification.
•
Customer Service: Experience working in a call center or high-volume customer interaction environment.
•
Licensing: Currently hold an active Adjuster License.
•
Education: Bachelor’s degree.
•
US military experience through military service or a military spouse/domestic partner.
Compensation range: The salary range for this position is: $63,590 - $121,530.
Legal
USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).
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 data of the position. The actual salary for this role may vary by location.
Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
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.
Benefits
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.
For more details on our outstanding benefits, visit our benefits page on USAAjobs.com
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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