Property Adjuster Specialist – Desk

USAA

Property Adjuster Specialist investigating and settling complex property insurance claims at USAA. Requires remote eligibility and knowledge of claims adjusting.

Posted 6/26/2026full-timeColorado Springs • Colorado, Texas • 🇺🇸 United StatesJuniorMid-Level💰 $69,920 - $133,620 per yearWebsite

About the role

Key responsibilities & impact

Proactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability
Partners with vendors and internal business partners to facilitate complex claims resolution
May also involve external regulatory coordination to ensure appropriate documentation and compliance
Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources
May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics
Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate
Determines coverage through analyzing information involving complex policy terms and contingencies
Determines and negotiates complex claims settlement within authority limits
Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes
Maintains accurate, thorough, and current claim file documentation throughout the claims process
Advance knowledge of estimating technology platforms and virtual inspection tools
Utilizes platforms and tools to prepare claims estimates to manage complex property insurance claims
Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours
May be assigned CAT deployment travel with minimal notice during designated CATs
Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed
Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience
Adjusts complex claims with attorney involvement
Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations
May require travel to resolve claims, attend training, and conduct in-person inspections
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and 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 that includes 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 (local & non-local) and/or work catastrophe duty when needed
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

Benefits

Comp & perks

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
various wellness programs
career path planning and continuing education

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

claims adjustingwriting estimatesestimating lossesXactimateresidential constructionproperty claims contractscase law interpretationstate laws and regulationsnegotiationinvestigation

Soft Skills

communicationconflict resolutionanalytical skillsprioritizingmulti-taskingproblem-solving

Certifications

insurance adjuster license