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Property General Adjuster

Company: USAA
Location: Grandview
Posted on: November 24, 2022

Job Description:

Purpose of Job

As a Property General Adjuster, you will work within defined guidelines and framework, investigates, evaluates, negotiates and settles the highest complexity property insurance claims presented by or against our members. You will confirm and analyzes coverage, recognizes liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. Recognizes and empathizes with members' life events, as appropriate.

Property General Adjusters focus on using technology and desk adjusting for a virtual first approach to inspections and claims handling. USAA also provides a company vehicle to physically inspect losses within your locally assigned territory. Field Adjusters may travel outside of their local territory to respond to claims in other regions when needed.

We are seeking an experienced Property General Adjuster in the St. Louis, MO or Kansas City, MO area.

This is an hourly, non-exempt position with paid overtime available.

Job Requirements

Military veterans and spouses are highly encouraged to apply.

Primary Responsibilities:

  • Identifies and handles 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 and procedures for business activities.
  • Manages assigned claims caseload comprised of claims with the highest complexity damages that require extensive knowledge and understanding of claims coverage.
  • Partners with vendors and internal business partners to facilitate the 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 Requirements:
    • High School Diploma/General Equivalency Diploma
      • 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.
      • Proven 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. 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. Preferred Experience:

          The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
          • Prior General Adjuster experience with a Standard Carrier
          • 6 or more years of Property Field Adjuster experience
          • Xactimate I or II Certification
          • Prior CAT deployment
          • Bachelor's degree
          • Industry designations such as CPCU, AIC, SCLA
          • Military service or Military Spouse
          • Be willing to self-relocate or currently reside in the St. Louis, MO or Kansas City, MO area 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 salary 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 will be 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.

            USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Keywords: USAA, Overland Park , Property General Adjuster, Other , Grandview, Kansas

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