**Why USAA?** Let’s do something that really matters. At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members. We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special! **The Opportunity** We are seeking dedicated Sr. Property Adjusters with large loss specializing in **contents** **experince** to join our Field Team in **Baltimore, MD** . As a Senior Field Property Insurance Adjuster, you will work within established guidelines and framework to investigate, evaluate, negotiate, and settle moderate to large loss complex property content insurance claims presented by or against our members. You will confirm and analyzes coverage, recognize liability exposure and negotiate equitable settlements in compliance with all state regulatory requirements. Field Property 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. This is an hourly, non-exempt position with paid overtime available. This is a **field-based** role in the **Baltimore, MD** area. Candidates currently living in this location or willing to self-relocate are encouraged to apply. **What you'll do:** + 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. + Handle assigned claims' caseload comprised of claims with complex damages including specialty claims. Updates initial reserve levels. + Partners with vendors and internal business partners to facilitate complex claims. 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. + Proactively identifies and engages in additional confirmation of potential discrepancies involving complicated situations. + Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. + Figures out coverage through analyzing information involving complex policy terms and contingencies. + Communicates with insured about coverage or any issues that involve additional information or considerations regarding settlement amount. + Resolves and negotiates complex claims settlement and makes recommendations to management for settlement amounts outside of authority limits. + Maintains accurate and current claim file documentation throughout the claims process for complex claims. + Proficient knowledge of estimating technology platforms to prepare claims estimates in order to manage complex property insurance claims. + Serves as a resource for less experienced staff, providing informal coaching as appropriate. + Recognizes and solves obstacles that occurs in the claims process without supervisory approval. + May require limited travel to resolve claims and conduct in-person inspections. **What you have:** + High School Diploma or GED + 2 years’ relevant property claims adjusting experience of moderate complexity that includes writing estimates involving dwelling and structural damages + Successfully acquire Property & Casualty (P&C) adjuster license and state registrations within 90 days of hire + Proficient knowledge of Xactimate or similar estimating platform + Advanced knowledge estimating losses of moderate complexity + Proficient knowledge of property claims contracts and interpretation of case law + 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 + Developing knowledge of residential construction **What sets you apart:** + US military experience through military service or a military spouse/domestic partner + Prior experience adjusting property claims using virtual technologies such as ClaimsXperience + Prior advanced knowledge of **Xactcontents** + Prior experience handling **Contents** only in higher severity/complex Large Loss claims + Bachelor’s degree + Industry designations such as CPCU, AIC, SCLA + Currently reside within or have the ability to self-relocate within 45 min from **Baltimore, MD** International Airport + Currently hold an active Adjuster License **Physical Demand Requirements:** + May require the ability to crouch and stoop to inspect confined spaces, to include attics 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. + 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.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. **What we offer:** **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 data of the position. The actual salary for this role may vary by location. The salary range for this position is: $66,780.00 -$120,200.00 **.** Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. **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.Relocation assistance is **not** available for this position. _Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._ _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._ **If you are an existing USAA employee, please use the internal career site in OneSource to apply.** **Please do not type your first and last name in all caps.** **_Find your purpose. Join our mission._** USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity. USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.