Senior Inside Property Claim Adjuster

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 b