Property Claims Adjuster – Field

USAA

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

Posted 10/9/2026full-timeGreenville • South Carolina • United StatesJuniorMid-Level💰 $69,920 - $133,620 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 proficient negotiation and investigation skills. Capable of managing complex claims while ensuring compliance with state regulations and maintaining thorough documentation.

Highest-signal resume keywords

Property Claims AdjustingXactimate EstimatingNegotiation SkillsResidential Construction KnowledgeInsurance Adjuster License

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationCoverage AnalysisLoss EstimationSubrogation IdentificationPolicy Interpretation

Soft Skills

Conflict ResolutionAnalytical SkillsProblem-SolvingMulti-TaskingCommunication Skills

Tools & Technologies

Estimating Technology PlatformsVirtual Inspection Tools

Certifications & Qualifications

Insurance Adjuster License

Industry Keywords

Property InsuranceCompliance RegulationsCatastrophe ResponseJurisdictional ChallengesConstruction Considerations

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 an assigned caseload of complex property damage claims
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
Identify coverage concerns, review prior loss history, and create SIU referrals when appropriate
Determine coverage by analyzing complex policy terms and contingencies
Negotiate settlements within authority limits and collaborate with management on amounts outside those limits
Maintain accurate, thorough, 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 potential evening, weekend, and holiday work
Travel for CAT deployments, claims resolution, training, and in-person inspections
Work independently on complex problems and act as a resource for less experienced colleagues
Adjust complex claims involving attorneys
Address jurisdictional challenges, legislation, and construction considerations
Identify, measure, monitor, and control business risks in accordance with compliance policies and procedures

Requirements

What you’ll need

High School Diploma or General Equivalency Diploma required
2 years of relevant property claims adjusting experience of moderate complexity losses, including writing estimates involving 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
Ability to crouch and stoop to inspect confined spaces, including attics and crawl spaces
Ability to meet USAA safe driving requirements, including MVR verification and possession of a valid driver’s license
Ability to lift a minimum of 35 pounds, including a ladder
Ability to climb ladders, traverse roofs, and work at heights while inspecting roofs and attics
Must not require immigration support or visa sponsorship now or in the future

Benefits

Comp & perks

Company vehicle for physically inspecting losses within the locally assigned territory
Paid overtime available
Medical, dental, and vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off program
Paid holidays
16 paid volunteer hours
Wellness programs
Career path planning
Continuing education assistance
Pay incentives may be available based on overall corporate and individual performance and at the discretion of the USAA Board of Directors