Senior Personal Property Claims Adjuster - Field

USAA

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

Posted 9/23/2026full-timeUnited StatesSenior💰 $63,590 - $121,530 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in investigating and negotiating property insurance claims, with a strong focus on compliance with state regulations and effective use of technology for virtual inspections. Proficient in managing complex claims caseloads and collaborating with internal and external partners to ensure timely resolutions.

Highest-signal resume keywords

Property Claims AdjustingNegotiation SkillsXactimate ProficiencyInsurance Adjuster LicenseVirtual Inspection Technologies

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationCoverage AnalysisClaims Settlement NegotiationDamage EstimationRisk Management

Soft Skills

Communication SkillsConflict ResolutionMulti-taskingTeam Collaboration

Tools & Technologies

XactimateClaimsXperienceEstimating Technology Platforms

Certifications & Qualifications

Active Adjuster License

Industry Keywords

Property InsuranceConstruction IndustryState RegulationsSubrogationCatastrophe Response

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
Use technology and desk adjusting for a virtual-first approach to inspections and claims handling
Physically inspect losses within the locally assigned territory using a company vehicle
Travel outside the local territory to respond to claims in other regions when needed
Proactively manage assigned claims caseload involving moderate-complexity damages
Partner with vendors and internal business partners to facilitate 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 through analysis of policy terms and contingencies
Determine and negotiate claims settlements and collaborate with management on amounts outside authority limits
Maintain accurate and current claim file documentation
Prepare claims estimates using estimating technology platforms and virtual inspection tools
Apply industry standards for inspection, damage mitigation, and restoration
Serve as an informal resource for team members
Address jurisdictional challenges involving legislation and construction considerations
Support workload surges and catastrophe response operations, including mandatory on-call dates and possible evening, weekend, and holiday work
Perform CAT deployment travel with minimal notice when assigned
Handle higher-complexity claims and additional duties as needed
Identify, measure, monitor, and control business risks in accordance with risk and compliance policies

Requirements

What you’ll need

High School Diploma or General Equivalency Diploma
2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience
Developing knowledge of residential construction
Working knowledge of estimating losses using Xactimate or similar tools and platforms
Demonstrated negotiation, investigation, communication, and conflict resolution skills
Working knowledge of property claims contracts and interpretation of case law and state laws and regulations
Proficient in prioritizing and multi-tasking, including navigating through multiple business applications
May need to travel up to 50% of the year (local & non-local) and/or work catastrophe duty when needed
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts
Prior experience adjusting property claims using virtual technologies such as ClaimsXperience
Prior advanced knowledge of Xactcontents
Prior experience handling Contents only in higher severity/complex Large Loss claims
Currently hold an active Adjuster License
May require a valid driver’s license and compliance with USAA safe driving requirements
Ability to crouch, stoop, lift a minimum of 35 pounds, climb ladders, traverse roofs, and work at heights
Must not require immigration support or visa sponsorship

Benefits

Comp & perks

Paid overtime
Company vehicle for physical inspections
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
Paid holidays
16 paid volunteer hours
Wellness programs
Career path planning
Continuing education assistance