Property Adjuster Specialist - Field

United Services Automobile Association

Job Overview

Location

Philadelphia Metro, PA Home

Job Type

Full-time

Full Job Description

📋 Description

• As a Property Adjuster Specialist - Field at USAA, you will play a critical role in investigating, evaluating, negotiating, and settling complex property insurance claims for military members and their families, directly supporting USAA’s mission to empower financial security through exceptional service and trusted advice.
• You will work within established guidelines to confirm coverage, assess liability, and negotiate equitable settlements while ensuring compliance with state regulatory requirements, utilizing both virtual inspection tools and in-person field assessments across your assigned territory in Bucks County, PA.
• Day to day, you will proactively manage a caseload of complex property damage claims requiring deep knowledge of policy terms, legal liability, and coverage contingencies, including those involving structural damage, subrogation potential, and Special Investigation Unit (SIU) referrals.
• You will partner with vendors, internal business partners, and external regulators to facilitate claims resolution, conduct thorough investigations using multiple sources (insured, third parties, public records), and identify discrepancies or opportunities for recovery.
• You will determine and negotiate claim settlements within your authority, develop recommendations for amounts exceeding limits, collaborate with management on complex outcomes, and maintain meticulous, current documentation throughout the claims lifecycle.
• You will leverage advanced estimating platforms like Xactimate and virtual inspection tools to prepare accurate claims estimates, stay current with evolving technology, and support catastrophe (CAT) response operations, including mandatory on-call duties and potential deployment with minimal notice.
• You will work independently to solve complex problems, serve as a resource for less experienced colleagues, handle claims involving attorney involvement, and navigate jurisdictional challenges related to legislation, construction standards, and regional regulations.
• You will ensure risks from business activities are identified, measured, monitored, and controlled per USAA’s risk and compliance policies, while adapting to variable workloads, including evening, weekend, or holiday work during surge periods or CAT events.
• You will be part of a mission-driven organization rooted in core values of honesty, integrity, loyalty, and service, where your work directly impacts the financial well-being of the military community and their families.
• In this role, you will deepen your expertise in complex property adjusting, master advanced estimating technologies, strengthen negotiation and investigative skills, and gain valuable experience in catastrophe response—positioning you for advancement into senior adjusting, specialty, or leadership roles within USAA’s claims organization.

🎯 Requirements

• High School Diploma or General Equivalency Diploma required.
• 2 years of relevant property claims adjusting experience with moderate complexity losses, including writing estimates for dwelling and structural damages.
• Advanced knowledge of estimating losses using Xactimate or similar platforms.
• Proficient knowledge of residential construction, property claims contracts, and interpretation of case law and state laws and regulations.
• Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.
• Ability to travel 50-75% of the year (local and non-local) and/or work catastrophe duty when needed.
• Must acquire and maintain an insurance adjuster license within 90 days of hire, with up to 3 attempts permitted.

🏖️ Benefits

• Comprehensive medical, dental, and vision plans to support physical wellness.
• 401(k) retirement plan with company match, pension plan, and life insurance options for long-term financial security.
• Paid time off program including paid holidays and 16 paid volunteer hours annually, plus parental benefits, adoption assistance, and access to wellness programs.
• Career path planning and continuing education support to assist with professional growth and goal achievement.

Skills & Technologies

Onsite

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United Services Automobile Association

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About United Services Automobile Association

United Services Automobile Association is a Fortune 500 financial services group headquartered in San Antonio, Texas, founded in 1922 by Army officers to insure each other’s vehicles. Today it provides banking, insurance, investment, and retirement products to current and former members of the U.S. military and their families. The member-owned reciprocal inter-insurance exchange operates under charters in Texas and serves over 13 million members worldwide. The association maintains strict eligibility rules tied to military service and is consistently ranked among the top U.S. insurers and banks for customer satisfaction and financial strength.

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