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!
It is all about learning and growing.
Military veterans and spouses are highly encouraged to apply!
Our Senior 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 are currently seeking dedicated professionals for future property insurance adjuster opportunities in a remote environment in 2022 with the desire to work a full-time schedule after training. Typical work schedules are 9:00 am - 5:30 pm (local time) Monday to Friday and may include some weekends. This is an hourly, non-exempt position with paid overtime available. We have new training classes starting every month.
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. The ideal candidate will possess strong virtual estimating skills for moderate to large severity losses and/or reconcile estimates while working in a telephone concentrated environment without physical inspection of loss.
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.
Manage 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.
Serves as a resource for less experienced staff, providing informal coaching as appropriate.
Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate.
Determines 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.
Determines 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.
Supports workload surges and/or Catastrophe (CAT) operations as needed to include working significant overtime; may involve deployment travel during designated CATs.
May act as an informal resource for team members with less experience.
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
Demonstrated 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:
US military service or military spouse
4+ years of experience desk adjusting property claims involving DWG, APS and ALE using virtual technologies such as ClaimsXperience
Experience handling large loss complex claims (i.e., vandalism, malicious mischief, foreclosures, earth movement, collapse, liability, etc.)
Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing)
Xactimate Level 1 and/or Level 2 certification
Prior USAA experience as a Sr Property Adjuster
Currently hold an active Adjuster License
Bachelor's degree
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.
Work From Home Requirements:
Broadband internet bandwidth must have minimum consistent speeds of 25 Mbps download and 5 Mbps upload.
This is not a mobile position and will require a desktop computer set up (USAA provided) and hard-wired connection via an Ethernet cable directly into your router (no Wi-Fi).
Wireless and Satellite coverage is currently not approved.
Able to provide workspace at home that is safe, suitable for work, and a distraction free environment from background noises that may distract USAA member customers.
In some roles you will be expected to use a USAA provided webcam for training.
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 - $108,600 .
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.
