Inside Property Adjuster – Theft Team

USAA

Property Adjuster handling theft claims for USAA, a military-focused financial services organization. Investigating coverage, negotiating settlements, and coordinating catastrophe response and SIU referrals.

Posted 8/10/2026full-timeSan Antonio • Colorado, Florida, Texas, Virginia • 🇺🇸 United StatesJunior💰 $59,760 - $100,850 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in managing property insurance theft claims, including investigation, negotiation, and compliance with state laws and regulations. Proficient in using estimating technology and maintaining thorough documentation while effectively collaborating with internal and external partners.

Highest-signal resume keywords

Property Insurance Claims ManagementXactimate Loss EstimationNegotiation SkillsGuidewire ClaimCenter ExperienceInsurance Adjuster License

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationCoverage AnalysisRisk ControlSubrogation IdentificationDocumentation Management

Soft Skills

Communication SkillsConflict ResolutionMultitasking AbilityCustomer Service

Tools & Technologies

XactimateGuidewire ClaimCenterLexisNexis AccurintISOEstimating Technology Platforms

Certifications & Qualifications

Insurance Adjuster LicenseSCLAFCLA

Industry Keywords

Property InsuranceClaims ContractsState Laws and RegulationsSpecial Investigation UnitCatastrophe Response Operations

Tech Stack

Tools & technologies

Guidewire

About the role

Key responsibilities & impact

Manage assigned low- to moderate-complexity property insurance theft claims caseloads
Investigate claim damages using information from insureds, third parties, and external resources
Analyze coverage, policy terms, prior loss history, case law, and state laws and regulations
Identify coverage concerns, liability exposure, discrepancies, and subrogation potential
Determine and create Special Investigation Unit referrals when appropriate
Negotiate and settle low- to moderate-complexity claims within authority limits
Coordinate with management on settlement amounts outside authority limits
Partner with vendors and internal business partners to facilitate claims resolution
Coordinate with external regulators to ensure documentation and compliance
Maintain accurate, thorough, and current claim file documentation
Use estimating technology platforms and virtual inspection tools to prepare and manage claims estimates
Address jurisdictional challenges, legislation, and construction considerations
Support workload surges and catastrophe response operations, including on-call and work outside normal hours
Travel for catastrophe deployments with minimal notice when assigned
Identify, measure, monitor, and control risks in accordance with risk and compliance policies

Requirements

What you’ll need

High School Diploma or General Equivalency Diploma
1 year of customer service, military leadership, construction-related industry, insurance experience and/or experience handling low-complexity property claims
Knowledge of estimating losses using Xactimate or similar tools and platforms
Demonstrated negotiation, investigation, communication, and conflict resolution skills
Working knowledge and understanding of claims contracts, case law, and state laws and regulations
Ability to prioritize and multitask while navigating multiple business applications
Ability to travel up to 25% of the year, local and non-local, and/or work catastrophe duty when needed
Acquisition and maintenance of an insurance adjuster license within 90 days and 3 attempts
No current or future need for immigration support or visa sponsorship
1+ years of experience with Guidewire ClaimCenter (what sets you apart)
1+ years of experience with LexisNexis Accurint (what sets you apart)
1+ years of experience with ISO (Insurance Services Office) (what sets you apart)
1+ years of experience with SIU (Special Investigation Unit) (what sets you apart)
SCLA or FCLA designation (what sets you apart)
Bachelor's Degree (what sets you apart)
May need to meet USAA safe driving requirements, including driving-record verification and possession of a valid driver's license
May need to crouch, stoop, inspect confined spaces, and access attics and crawl spaces
May need to lift at least 35 pounds, including a ladder
May need to climb ladders, traverse roofs, and work at heights while inspecting roofs and attics

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
Remote or hybrid flexibility for active-duty military spouses, consistent with applicable policy and business needs
Pay incentives may be available based on overall corporate and individual performance and at the discretion of the USAA Board of Directors