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. Come be a part of what makes us so special!
Veterans and Military Spouses are highly encouraged to apply!
We are looking for experienced Sr. Property Field Adjusters in the Waldorf, MD area. A company vehicle is provided.
As a Senior Property Insurance Adjuster, you will work within established guidelines and framework to investigate, evaluate, negotiate, and settle moderate to large loss 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.
Job Requirements
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.
Handle assigned claims' caseload comprised of claims with complex damages including specialty claims. Updates initial reserve levels.
Partners with vendors and internal business partners to facilitate complex claims. May also involve external regulatory coordination to ensure appropriate documentation and compliance.
Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources.
Proactively identifies and engages in additional confirmation of potential discrepancies involving complicated situations.
Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate.
Figures out coverage through analyzing information involving complex policy terms and contingencies.
Communicates with insured about coverage or any issues that involve additional information or considerations regarding settlement amount.
Resolves and negotiates complex claims settlement and makes recommendations to management for settlement amounts outside of authority limits.
Maintains accurate and current claim file documentation throughout the claims process for complex claims.
Proficient knowledge of estimating technology platforms to prepare claims estimates in order to manage complex property insurance claims.
Serves as a resource for less experienced staff, providing informal coaching as appropriate.
Recognizes and solves obstacles that occurs in the claims process without supervisory approval.
May require limited travel to resolve claims and conduct in-person inspections.
Minimum Requirements:
High School Diploma or GED
2 years' relevant property claims adjusting experience of moderate complexity that includes 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
Proven negotiation, investigation, communication and conflict resolution skills
Ability to travel 50-75% of the year (local & non-local) and/or work catastrophe duty when needed
Developing knowledge of residential construction
Preferred Requirements:
Prior experience adjusting property claims using virtual technologies
Prior property field adjuster experience handling DWG, APS and ALE adjustments
Experience handling large loss complex content claims
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
Currently reside within or have the ability to self-relocate to within the area of Waldorf, MD.
Bachelor's degree
US military service or military spouse
Physical Demand Requirements:
May require the ability to crouch and stoop to inspect confined spaces, to include attics and go beneath homes into crawl spaces.
May need to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver's license.
May require the ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a car.
May require the ability to climb ladders and traverse roofs, this includes the ability to work at heights while inspecting roofs and attics.
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 hiring range for this position is: $60,300.00 to $108,600.00 USD Annual .
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: 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.
To see details on our outstanding benefits, visit USAA Total Rewards. (https://hrportal.ehr.com/usaa/Prospective-Employees)
Relocation assistance is not available for this position.
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.
USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.
