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Property General Adjuster

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Job ID
R0083603
Date posted
09/22/2022

Purpose of Job

Let’s do something that really matters.

We have an important mission: serving the members of the military community and their families. It’s both a chance to say thank you and the opportunity to put your talents to work in a meaningful way. To do it right, we need the right people. We’re looking for those who share our values of honesty, integrity, loyalty and service. Because what we do is just as important as how we do it.

Come be a part of what makes us so special!

We are seeking an experienced Property General Adjuster in the Richmond, VA area. A company vehicle is provided.

Job Requirements

As a Property General Adjuster, you will work within defined guidelines and framework to investigate, evaluate, negotiate and settle highest complexity property insurance claims presented by or against our members.  You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. You will recognize and empathize with members’ life events, as appropriate.

Tasks:

  • Identifies and manages existing and emerging risks that stem from business activities and the job role.

  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled. 

  • Follows written risk and compliance policies, standards, and procedures for business activities.

  • Manages assigned claims caseload comprised of claims with highest complexity damages that require considerable knowledge and understanding of claims coverage.

  • Partners with vendors and internal business partners to facilitate highest complexity claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance.

  • Extensive evaluation for highly complex claims, involving lengthy research and determination of settlement. Proactively identifies and engages in additional confirmation of potential discrepancies resulting from research involving complicated situations.

  • Serves as a resource for less experience staff on complicated claim situations.

  • Determines coverage through analyzing extensive information involving highly complex policy terms, including claim resolution.

  • Communicates with insured about coverage or any issues that involve additional information or considerations regarding settlement amount.

  • Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate.

  • Determines and negotiates highly complex settlement. Makes recommendations to management for settlement amounts outside of authority limits.

  • Maintains accurate and current claim file with critical documentation throughout the claims process for highly complex.

  • Proficient knowledge of estimating technology platforms. Utilizes platforms to prepare claims estimates in order to manage complex property insurance claims.

  • Serves as a subject matter expert for claims handling.

  • Supports workload surges and/or Catastrophe (CAT) operations as needed to include working significant overtime; may require deployment travel during designated CATs.

  • Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience.

  • May require travel to resolve claims and conduct in-person inspections.

Minimum Education:

  • High School Diploma or General Equivalency Diploma required.

  • 4 years’ relevant property claims adjusting experience that includes writing estimates of moderate-highly complex claims and field adjusting experience.

  • 2 years’ experience handling dwelling claims.

  • Successfully acquire Property & Casualty (P&C) adjuster license and state registrations within 90 days of hire.

  • Proficient knowledge of Xactimate or similar estimating platform. Expert knowledge estimating losses of moderate complexity.

  • Advanced knowledge of property claims contracts and interpretation of case law.

  • Proficient knowledge of residential construction. 

  • Demonstrated negotiation, investigation, communication and conflict resolution skills.

  • Ability to travel 50-75% of the year (local & non-local) and/or work catastrophe duty when needed.

Preferred Experience:

  • General Adjuster experience with a Standard Carrier

  • Property field adjuster experience handling large loss claims and ALE management

  • Xactimate Level 1 and/or Level 2 certification

  • Deployment in support of catastrophes

  • Bachelor’s degree

  • Insurance Industry designations such as CPCU, AIC, SCLA, AINS

  • Currently hold an active P&C Adjuster License

  • Currently reside in the Richmond, VA area

  • US Military service or Military spouse

Physical Demand Requirements:

  • May require the ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a car.

  • May require the ability to climb ladders and traverse roofs, this includes the ability to work at heights while inspecting roofs and attics.

  • May require the ability to crouch and stoop to inspect confined attic spaces and go beneath homes into crawl spaces.

  • May need to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver’s license.

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The hiring range for this position is: $72,900 - $131,400.

Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

Shift premium: Addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

To see details on our outstanding benefits, visit USAA Total Rewards.

Relocation assistance is not available for this position.

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