Inside Senior Auto Adjuster - CAT Claims

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. We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

As a dedicated Senior Auto Adjuster, you will work within defined guidelines and framework, responsible to adjust highly complex auto insurance claims presented by or against our members to include the end-to-end claims process and settling claims in compliance with state laws and regulations. You will be accountable for delivering best in class service, through setting appropriate expectations, proactive communications, advice, and empathy. USAA's Catastrophe Team is seeking experienced Auto Adjusters to join the Inside Dedicated Auto Catastrophe Team (ACT). In this desk role you will handle repairable and total loss claims for catastrophe designated and/or weather surge events. ACT adjusters will operate in a file ownership environment, being accountable for the entire member end-2-end claim experience. This team will also work closely with the APD CAT team and Paintless Dent Repair (PDR) providers for a consistent, seamless end-to-end claim experience. This desk based role requires an individual to be in the office 3 days per week . The first 6 months will be 5 days a week in office. This position is based in the San Antonio, TX office location. Relocation assistance is not available for this position.

Investigates to determine coverage, liability, and physical damage including total loss settlements for highly complex auto claims. Negotiates liability for comparative negligence (claimant or adverse carrier). Identifies coverage concerns, reviews prior loss history, determines, and creates Special Investigation Unit (SIU) referrals, when appropriate. Interacts with multiple parties to gather information (police reports, recorded statements, witness statements) determine liability. Analyzes information obtained to establish compliance for regulatory requirements and settlement value. Evaluates and negotiates settlement of automobile first and third-party physical damage claims within established settlement authority limits and negotiates any excessive storage charges. Resolves claims through proactive problem solving and decision making, within authority guidelines and under moderate supervision, overcoming obstacles, and effectively prioritizing the workload. Clearly documents thought process including damage evaluation, investigation, negotiation, and settlement decisions. Collaborates and sets expectations with external and internal business partners to facilitate claims resolution. Supports members, business partners, and claimants, through use of varying communication channels to include utilization of digital tools to drive timely and effective resolutions through exceptional service. Applies proficient knowledge of P&C insurance industry products, services, to include P&C insurance policy contracts, coverages and internal claims handling process and procedures. May serve as an informal resource for team members. Applies proficient knowledge of Auto Physical Damage to adjust claims. Supports 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. Works various types of claims, including ones of higher complexity, and may be assigned additional work outside