Senior Auto Appraiser – Field

USAA

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

Posted 9/25/2026full-timeTampa • Florida • United StatesSenior💰 $63,590 - $114,450 per yearWebsite

About the role

Key responsibilities & impact

Investigate, negotiate, evaluate, and appraise vehicle damage claims for repairable and total loss vehicles
Evaluate highly complex auto physical damage claims using digital tools and applicable contracts, guidelines, and laws
Investigate claim damages and communicate with insureds, internal claims adjusters, and third parties/vendors
Review facts of loss and vehicle damage to identify subrogation opportunities and maintain supporting documentation
Apply advanced knowledge of P&C insurance products, services, contracts, and internal processes
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, follow up timely, and map repair plans and repair 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 support team members on escalated issues
Partner with vendors and internal business partners to resolve high-complexity claims
Coordinate with external regulators when needed to ensure documentation and compliance
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 potential evening, weekend, or holiday work
Travel for CAT deployments with minimal notice when assigned
Identify, measure, monitor, and control business risks under risk and compliance policies

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
May require ability to operate a company vehicle within assigned territory
May require ability to reach, handle, squat, bend, climb, and kneel to complete inspections
May require ability to work outdoors in inclement weather and in body shop and/or salvage yard environments up to 25% of the time
Must meet USAA safe driving requirements, including verification of driving record through MVR and possession of a valid driver's license
USAA does not provide visa sponsorship; applicants must not require immigration support now or in the future
Active Florida All-Lines Adjusters License preferred
I-CAR ProLevel 3 (Platinum) certification or actively pursuing ProLevel 3 preferred
Experience as a Field Auto Appraiser with a Property & Casualty insurance carrier preferred
Experience preparing estimates and evaluations using CCC preferred
Experience balancing collision repair estimates in Virtual and Field environments preferred
Ability to deploy on CAT when needed preferred
US military experience or experience as a military spouse/domestic partner preferred

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
Wellness programs
Career path planning
Continuing education
Pay incentives based on overall corporate and individual performance and 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