Senior Auto Appraiser

USAA

. Investigate, negotiate, evaluate, and appraise vehicle damage claims for repairable and total loss vehicles.

Posted 10/1/2026full-timeLubbock • Texas • United StatesSenior💰 $61,620 - $110,920 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates advanced knowledge of P&C insurance products and the auto appraisal process, with proficiency in using estimating platforms like CCC. Capable of effectively communicating with various stakeholders and managing complex claims while ensuring compliance with regulations.

Highest-signal resume keywords

Auto Appraising ExperienceP&C Insurance KnowledgeCCC Estimating Platform ProficiencyTexas All-Lines Adjusters LicenseI-CAR ProLevel 3 Certification

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Vehicle Damage AppraisalClaims InvestigationSubrogation IdentificationFraud DetectionRisk ManagementClaims DocumentationCollision Repair EstimationEstimating LossesClaims ProcessingCompliance Assurance

Soft Skills

Written CommunicationVerbal CommunicationNegotiation SkillsInterpersonal SkillsProblem-Solving

Tools & Technologies

CCC Estimating PlatformDigital Tools for Claims Evaluation

Certifications & Qualifications

Texas All-Lines Adjusters LicenseI-CAR ProLevel 3 Certification

Industry Keywords

Property & Casualty InsuranceAuto InsuranceClaims AdjustingCatastrophe ResponseInsurance Compliance

About the role

Key responsibilities & impact

Investigate, negotiate, evaluate, and appraise vehicle damage claims for repairable and total loss vehicles.
Use digital tools to evaluate highly complex auto physical damage claims in accordance with contracts, corporate guidelines, and laws and regulations.
Investigate claim damages and communicate with insureds, internal claims adjusters, third parties, and vendors, including possible face-to-face interactions.
Review facts of loss and vehicle damage to identify subrogation opportunities and ensure supporting documentation is included.
Apply advanced knowledge of P&C insurance products, services, contracts, and internal processes to ensure compliance.
Review claims and suppliers for fraud indicators and refer applicable matters to the Special Investigations Unit.
Maintain accurate and current claim file documentation.
Manage desk workload, perform timely follow-ups, and map repair plans and timelines.
Review additional damage from repair facilities and complete supplements or triage inspections to field providers.
Serve as a subject matter expert for disputed claims or trials and as a resource on escalated issues.
Partner with vendors and internal business partners to resolve high-complexity claims and coordinate with external regulators when needed.
Provide policyholders with coverage, repair estimate, total loss valuation, and claims/repair process information.
Support workload surges and catastrophe response operations, including mandatory on-call dates and possible evening, weekend, or holiday work.
Travel with minimal notice for assigned catastrophe deployments.
Work claims of varying complexity and perform additional duties as needed.
Identify, measure, monitor, and control risks in accordance with risk and compliance policies and procedures.

Requirements

What you’ll need

High School Diploma or General Equivalency Diploma.
2 years of auto appraising experience.
Proficient knowledge of P&C insurance policy contracts and coverages, auto parts distribution process and claim appraisal process and procedures.
Advanced working knowledge of estimating losses using CCC or similar estimating platforms.
Demonstrated written and verbal skills to communicate with members, claimants, repair facilities, and other internal and external stakeholders.
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
Willing and able to work in Lubbock and Amarillo, TX.
May be required to meet all USAA safe driving requirements, including verification of driving record through MVR and possession of valid driver's license.
Active Texas or Florida All-Lines Adjusters License. (What sets you apart)
I-CAR ProLevel 3 (Platinum) certification or actively pursuing ProLevel 3. (What sets you apart)
Experience as a Field Auto Appraiser with a Property & Casualty (P&C) insurance carrier. (What sets you apart)
Experience and ability to prepare estimates and evaluations using CCC estimating platform. (What sets you apart)
Experience and ability to balance writing accurate collision repair estimates in a Virtual & Field environment. (What sets you apart)
Ability to deploy on CAT when needed. (What sets you apart)
US military experience gained through military service or as a military spouse/domestic partner. (What sets you apart)
No visa sponsorship; applicants must not require immigration support now or in the future.

Benefits

Comp & perks

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
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 applicable policy and business needs