Property Adjuster Specialist – Field Claims

USAA

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

Posted 9/22/2026full-timeRochester • New York • United StatesJuniorMid-Level💰 $72,080 - $129,740 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in investigating and settling complex property insurance claims, with advanced knowledge of estimating tools like Xactimate and a strong understanding of residential construction and property claims contracts. Proficient in negotiation, communication, and conflict resolution, while ensuring compliance with state regulations and managing caseloads effectively.

Highest-signal resume keywords

Property Claims Adjusting ExperienceAdvanced Knowledge of XactimateProficient Negotiation SkillsActive Property & Casualty Adjuster LicenseResidential Construction Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Property Claims AdjustingEstimating LossesNegotiationInvestigationAnalytical SkillsProblem-SolvingClaims DocumentationRisk ControlField AdjustingMulti-Tasking

Soft Skills

CommunicationConflict ResolutionPrioritizing

Tools & Technologies

XactimateClaimXperienceXactAnalysisEstimating TechnologyVirtual Inspection Tools

Certifications & Qualifications

AINSCPCUAICSCLAInsurance Adjuster License

Industry Keywords

Property InsuranceComplianceLiability ExposureSubrogationCase LawState RegulationsCatastrophe ResponseResidential PropertyConstruction ConsiderationsInsurance Carrier

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 regulations
Manage assigned caseloads involving complex property damage and potential legal liability
Partner with vendors, internal business partners, and external regulators to resolve claims and ensure compliance
Research claim damages using information from insureds, third parties, and external resources
Identify discrepancies, subrogation potential, coverage concerns, prior loss history, and SIU referral needs
Analyze complex policy terms and contingencies to determine coverage
Determine and negotiate settlements within authority limits; recommend settlements outside authority limits with management
Maintain accurate, thorough, and current claim file documentation
Use estimating technology, virtual inspection tools, and claims platforms to prepare estimates
Support workload surges and catastrophe response operations, including mandatory on-call dates and potential evening, weekend, and holiday work
Travel for catastrophe deployments, claim resolution, training, and in-person inspections
Work independently on complex problems and serve as a resource for less-experienced colleagues
Adjust complex claims involving attorneys
Address jurisdictional challenges, applicable legislation, and construction considerations
Identify, measure, monitor, and control risks in accordance with compliance policies and procedures

Requirements

What you’ll need

High School Diploma or General Equivalency Diploma
2 years of relevant property claims adjusting experience involving moderate-complexity losses, writing estimates, dwelling and structural damages
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 50–75% of the year, locally and non-locally, and/or work catastrophe duty when needed
Acquisition and maintenance of an insurance adjuster license within 90 days and 3 attempts
Successful completion of a job-related assessment may be required
Hands-on experience handling high-severity and complex property claims
Residential property field adjusting experience with dwelling, structure, and additional living expenses
Experience working directly for a standard insurance carrier handling claims from start to finish
Proficiency with Xactimate, ClaimXperience, and XactAnalysis
Insurance industry designations such as AINS, CPCU, AIC, or SCLA, or actively pursuing them
Active Property & Casualty adjuster license is listed as a differentiator
Currently reside in the Upper New York area
US military experience through military service or a military spouse/domestic partner
Ability to meet safe driving requirements, possess a valid driver's license, and pass MVR verification
Ability to lift at least 35 pounds
Ability to climb ladders, traverse roofs, and work at heights
Ability to crouch and stoop to inspect attics, crawl spaces, and other confined areas
Must not require immigration support or visa sponsorship now or in the future

Benefits

Comp & perks

Paid overtime available
Company vehicle for physical inspections
Medical, dental, and vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off
Paid holidays
16 paid volunteer hours
Wellness programs
Career path planning
Continuing education
Pay incentives based on overall corporate and individual performance, at the discretion of the USAA Board of Directors
Remote or hybrid flexibility may be available for active-duty military spouses, consistent with policy and business needs