Sr. Desk Property Adjuster (Hybrid)

Company: USAA
Location: Phoenix
Posted on: January 21, 2026

Job Description:

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the 1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity As a dedicated Senior Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate and settle complex property insurance claims presented by or against our members. You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. You will recognize and empathize with members’ life events, as appropriate. This hybrid role requires an individual to be in the office 3 days per week . Typical work schedules are 9:00 am - 5:30 pm (local time) Monday to Friday and may include some weekends. This position can be based in our Phoenix, AZ campus . Relocation assistance is not available for this position. The Inside Sr. Property Adjuster role is a call center environment with a high volume of calls. This is an hourly, non-exempt position with paid overtime available. Tasks: Proactively manage assigned claims caseload comprised of claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage. Partner with vendors and internal business partners to facilitate moderate complexity claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance. Investigate 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. Identify coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. Determines coverage through analyzing investigation information involving moderate complexity policy terms and contingencies. Determine and negotiates moderate complexity claims settlement. Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes. Maintain accurate, thorough, and current claim file documentation throughout the claims process. Apply proficient knowledge of estimating technology platforms and virtual inspection tools; Utilizes platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims. Apply working knowledge of industry standards of inspection, damage mitigation and restoration techniques. Serve as an informal resource for team members. Recognize and addresses jurisdictional challenges such as applicable legislation and construction considerations. Support 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. Work various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed. Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: High School Diploma or General Equivalency Diploma. 2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience. Developing knowledge of residential construction. Working knowledge of estimating losses using Xactimate or similar tools and platforms. Demonstrated negotiation, investigation, communication, and conflict resolution skills. Working knowledge of property claims contracts and interpretation of case law and state laws and regulations. Proficient in prioritizing and multi-tasking, including navigating through multiple business applications. Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts. What sets you apart: Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies (Hosta, Hover, Xactimate, ClaimsX) Experience handling large loss complex claims (i.e., water, vandalism, malicious mischief, foreclosures, earth movement, appraisal, collapse, etc.) Experience handling water loss claims including water mitigation, water loss estimating and reconciliation Experience with full file ownership Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing) Xactimate Level 1 and/or Level 2 certification Experience in a call center environment Currently hold an active Adjuster License Bachelor’s degree US military experience through military service or a military spouse/domestic partner Compensation range: The salary range for this position is: $63,590 - $117,990. 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. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. 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. 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. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com 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.

Keywords: USAA, Glendale , Sr. Desk Property Adjuster (Hybrid), Customer Service & Call Center , Phoenix, Arizona