Inside Property Adjuster Specialist – Desk Claims

USAA

. Investigate, evaluate, negotiate, and settle complex property insurance claims .

Posted 10/30/2026full-timeUnited StatesJuniorMid-Level💰 $69,920 - $129,740 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates advanced knowledge in property claims adjusting, including expertise in estimating losses using Xactimate and proficiency in residential construction and property claims contracts. Capable of negotiating complex settlements and managing claims from inception to resolution while ensuring compliance with regulatory requirements.

Highest-signal resume keywords

Xactimate ProficiencyProperty Claims Adjusting ExperienceNegotiation SkillsInsurance Adjuster LicenseResidential Construction Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationClaims Settlement NegotiationEstimating LossesCoverage AnalysisClaims DocumentationSubrogation IdentificationRisk ControlComplex Claims ManagementVirtual Inspection ToolsDesk-Based Claims Adjusting

Soft Skills

Analytical SkillsProblem-Solving SkillsCommunication SkillsConflict Resolution SkillsMulti-Tasking Skills

Tools & Technologies

Estimating Technology PlatformsVirtual Inspection ToolsClaims Management Software

Certifications & Qualifications

P&C Adjuster LicenseAINSCPCUAICSCLA

Industry Keywords

Property Insurance ClaimsRegulatory ComplianceDwelling DamageStructural DamageCatastrophe ResponseInsurance CarrierCase Law InterpretationLegislation ChallengesInsurance AdjustingMilitary Experience

About the role

Key responsibilities & impact

Investigate, evaluate, negotiate, and settle complex property insurance claims
Confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulatory requirements
Manage assigned caseloads involving complex damages and claims coverage issues
Partner with vendors and internal business partners to facilitate complex claims resolution
Coordinate with external regulators when needed to ensure documentation and compliance
Investigate claim damages using information from insureds, third parties, and external resources
Identify discrepancies and subrogation potential
Review prior loss history and create Special Investigation Unit referrals when appropriate
Determine coverage by analyzing complex policy terms and contingencies
Determine and negotiate complex claim settlements within authority limits
Develop settlement recommendations and collaborate with management on amounts outside authority limits
Maintain accurate and current claim file documentation
Use estimating technology platforms and virtual inspection tools to prepare claims estimates
Support workload surges and catastrophe response operations, including mandatory on-call dates and possible evening, weekend, or holiday work
Potentially travel for catastrophe deployments, claim resolution, training, and in-person inspections
Adjust complex claims involving attorneys
Address jurisdictional challenges involving legislation and construction considerations
Work independently on complex problems and serve as a resource for less experienced colleagues
Identify, monitor, and control business risks in accordance with risk and compliance policies

Requirements

What you’ll need

2 years of relevant property claims adjusting experience involving moderate-complexity dwelling and structural damages
Experience writing estimates
Advanced knowledge of estimating losses using Xactimate or similar tools and platforms
Proficient knowledge of residential construction
Proficient knowledge of property claims contracts and interpretation of case law and state laws and regulations
Proficient negotiation, investigation, communication, and conflict resolution skills
Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills
Ability to travel and/or work catastrophe duty when needed
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts
Advanced claims adjusting experience for complex, higher-severity losses, such as dwelling and structure damage, large water, mitigation, fire and ALE
Experience adjusting desk-based property claims using virtual technologies, without physical inspections
Experience estimating dwelling repairs greater than $50k
Experience working directly for a standard insurance carrier
Experience owning claims from start to finish, including scoping, writing estimates, making coverage decisions, handling ALE, and settlement
Industry designations such as AINS, CPCU, AIC, or SCLA, or active pursuit of these designations
Xactimate proficiency
An active P&C adjuster license
Current residence in or willingness to self-relocate to the Pacific, Mountain or Central time zones
U.S. military experience through military service or as a military spouse/domestic partner
Must not require immigration support or visa sponsorship

Benefits

Comp & perks

Paid overtime
Pay incentives based on overall corporate and individual performance, at the discretion of the USAA Board of Directors
Comprehensive medical, dental and vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off program
Paid holidays
16 paid volunteer hours
Various wellness programs
Career path planning
Continuing education assistance