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.

The Opportunity

As a dedicated Property Adjuster Specialist , you will work within established guidelines and framework to investigate, evaluate, negotiate, and settle complex property 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.

Property Adjuster Specialist 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 for the territory of Prince George County, MD or Montgomery County, MD. Candidates currently living in this location or willing to self-relocate are encouraged to apply.

What you'll do:

Proactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability.
Partners with vendors and internal business partners to facilitate complex claims resolution. 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. May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics.
Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. Determines coverage through analyzing information involving complex policy terms and contingencies.
Determines and negotiates complex claims settlement within authority limits. Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes.
Maintains accurate, thorough, and current claim file documentation throughout the claims process.
Advance knowledge of estimating technology platforms and virtual inspection tools. Utilizes platforms and tools to prepare claims estimates to manage complex property insurance 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 normal duties as needed.
Works independently solving complex problems with minimal guidance; acts as a resource for colleagues with less experience.
Adjusts complex claims with attorney involvement.
Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.
May require travel to resolve claims, attend training, and conduct in-person inspections.
Ensures 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 required.
2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.
Advanced knowledge of estimating losses using Xactimate or similar tools and platforms.
Proficient knowledge of residential construction.
Proficient knowledge of property claims contracts and interpretation of case law and state laws and regulations.
Proficient negotiation, investigation, communication, and conflict resolution skills.
Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.
Ability to travel 50-75% of the year (local & non-local) and/or work catastrophe duty when needed.
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

What sets you apart:

US military experience through military service or a military spouse/domestic partner
5 years of prior field experience handling higher severity/complex losses (i.e. vandalism, malicious mischief, foreclosures, earth movement, collapse, liability, etc.)
Prior experience adjusting property claims using virtual technologies
Prior property field adjuster experience handling DWG, APS and ALE adjustments
Industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing)
Xactimate Level 1 and/or Level 2 certification
Prior deployments in support of catastrophes
Currently hold an active Adjuster License
Currently reside within or have the ability to self-relocate to Prince George County, MD or Montgomery County, MD

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.

Compensation range: The salary range for this position is: $69,920.00 - $133,620.00.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

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.

About the company

USAA sells insurance, banking and investment products to U.S. military members, veterans and their families, and membership is limited to that community and eligible relatives. It began when Army officers who struggled to get car coverage agreed to insure each other, and auto and home insurance remain its core business. Members can also open checking and savings accounts, carry credit cards, take out auto loans and mortgages, and buy life insurance, annuities and retirement accounts. The company earns money from insurance premiums, loan interest, card fees and investment management. USAA was founded in 1922 and is based in San Antonio, Texas.

Company Size

10,001+

Company Stage

N/A

Total Funding

N/A

Headquarters

San Antonio, Texas

Founded

1922

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Simplify's Take

What believers are saying

Capital keeps building: net worth rose $6.3 billion to $38.6 billion in 2025, reported May 2026.
Pay extends beyond salary: USAA matches 401(k) savings up to 8% and funds tuition-free study for staff and dependents.
Members got a record payout: USAA returned $3.8 billion for 2025, its April 2026 annual report showed.

What critics are saying

Bank staff inherit a long cleanup: an OCC order still in force folds in unfixed 2019 and 2022 compliance orders.
Claims handling draws lawsuits: USAA agreed to a $647,000 settlement over alleged Michigan total-loss underpayments, reported August 2026.
Disasters squeeze results: USAA's April 2026 report showed nearly $1.7 billion paid in 2025 California wildfire claims.

What makes USAA unique

Customers own the insurer: USAA runs as a reciprocal exchange, so surplus returns to members, unlike shareholder-owned GEICO.
USAA steps in when military pay stops: nearly $450 million in relief reached 127,000 members through November 2025.
Its mission reaches veteran careers: Honor Through Action, launched November 2025, commits $500 million over five years.

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Benefits

Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
401(k) Retirement Plan
401(k) Company Match
Parental Leave
Adoption Assistance
Paid Vacation
Paid Holidays
Wellness Program
Professional Development Budget

Company News

USAA

Oct 28th, 2026

USAA earns No. 1 ranking in JD Power individual Annuity Study for the third consecutive year.

USAA earns No. 1 ranking in JD Power individual Annuity Study for the third consecutive year. Recognition highlights the trusted advice, exceptional service and seamless experiences that help members plan for retirement with confidence SAN ANTONIO - USAA Life Insurance Company today announced it ranked No. 1 in the JD Power 2026 U.S. Individual Annuity Study, marking the third consecutive year the company has earned the top ranking. USAA received an overall customer satisfaction score of 740 compared with an industry average of 653 and ranked #1 across each of the eight study dimensions. The study evaluates customer experiences across eight dimensions, including trust, value for price, ease of doing business and digital channels. The results offer insight into how annuity providers perform across the experiences that matter most to customers as they evaluate their options and plan for retirement. "Earning this recognition for the third consecutive year reflects our commitment to earning members' trust with the advice, service and genuine care they expect and deserve from USAA," said Rob Arena, President of USAA Life Insurance Company. "We're proud to be recognized for the exceptional experiences we deliver as we help members navigate important decisions with clarity and confidence." Helping Members Plan for Retirement with Confidence Annuities can be a valuable tool for helping members retire with confidence. However, retirement planning is not one-size-fits-all. Determining whether an annuity is right for an individual depends on their current financial situation, goals and vision for the future. USAA Life Insurance Company helps members navigate important decisions through trusted advice that makes it easier to understand their options and choose the solution that best aligns with their goals. "Planning for retirement isn't just about building savings. It's about creating a reliable source of income that can support your lifestyle in the years to come," said Mary Stork, SVP and General Manager, Annuity Products at USAA Life Insurance Company. "Annuities can play an important role in that strategy, and we're focused on helping members understand their options and find solutions that align with their retirement goals." USAA's retirement solutions are available directly from USAA as well as through other financial institutions, and while USAA is known for serving the military community and their families, USAA Life Insurance Company products are available to everyone. To learn more about USAA annuity options and considerations for retirement planning, visit usaa.com/annuity. About USAA Founded in 1922 by 25 soldiers, USAA is among the leading providers of insurance, banking and retirement solutions and serves more than 14.5 million members of the U.S. military, veterans who have honorably served and their families. Headquartered in San Antonio, USAA has offices in seven U.S. cities and four overseas locations and employs more than 36,000 people worldwide. Each year, USAA supports national and local nonprofits serving military families and communities. With Honor Through Action, USAA advances policy, advocacy and philanthropy to support financial security, build meaningful careers and promote overall well-being across the military community. For more information about USAA, follow USAA on Facebook or X (@usaa), or visit usaa.com. About JD Power JD Power delivers mission-critical data, analytics and intelligence that help businesses improve customer experience and operational performance with confidence and clarity. Using proprietary, comprehensive data-including millions of consumer interactions and authoritative automotive datasets-combined with advanced analytics, artificial intelligence and deep industry expertise, JD Power enables leaders to respond to market shifts, make smarter decisions and drive measurable performance improvements. As an objective source of deep insight into real-world customer interactions with brands and products, JD Power provides the independent intelligence organizations need to anticipate change, strengthen customer engagement and advance growth. Learn more at JDPower.com. About the Study The U.S. Individual Annuity Study measures the experiences of customers of the largest individual annuity companies in the United States across eight core dimensions (in order of importance): trust; value for price; ability to get service; ease of doing business; people; product offerings; digital channels; and problem resolution. The 2026 study is based on responses from 5,378 individual annuity customers and was fielded between July 2025 and July 2026. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

GlassBytes

Oct 26th, 2026

Washington fines USAA, Allstate $230,000 as New claims rules take effect.

Washington fines USAA, Allstate $230,000 as New claims rules take effect. New insurance claims rules in Washington state require insurers to explain disputed repair costs and respond more quickly to auto glass repair shops. The changes took effect October 18, less than three weeks after Insurance Commissioner Patty Kuderer announced $230,000 in fines against USAA and Allstate for insurance violations. USAA Casualty Insurance Co. was fined $140,000 for unfair or deceptive practices involving auto claims. Allstate Vehicle and Property Insurance Co. was fined $90,000 for claims-handling violations and for failing to comply with the state's premium change transparency rule. "We take our role as a consumer protection agency seriously," Kuderer says. "These orders, and the actions we've taken against insurers for failing to meet their obligations to policyholders when processing their claims, are a testament to that work." What the New Rules Mean for Auto Glass Shops Neither case involved auto glass-specific violations. Allstate's violations concerned homeowners insurance claims, while USAA's involved auto claims, primarily collision accidents, according to the Washington Office of the Insurance Commissioner. Under the updated rules, insurers have five business days to notify customers and their repair shops in writing of what they'll cover when they receive supplemental damage estimates or final invoices. If they reject additional damage, they must explain why. For auto glass shops, that could mean getting a clearer answer when additional damage is discovered during a windshield replacement or when an insurer questions a calibration charge. When Insurers Dispute Repair Costs Insurers must explain why they pay less than a repair facility's estimate. The updated rules require them to identify costs they won't cover and to explain the policy provisions that support their decisions. Customers can request a written explanation of how the insurer determined labor costs, material costs and repair procedures. That could help explain differences between an insurer's estimate and the shop's charges. Insurers must also consider additional damage discovered during repairs. Their estimates must be prepared by someone qualified to evaluate the work, and insurers are responsible for the accuracy of their repair documentation. More Options for Shops and Customers Insurers can't require shops to use only an online application to submit claims information. Shops must have the option of submitting documents by email, regular mail, fax or in person. Customers who disagree with an estimate based on photographs or a virtual inspection can request an in-person inspection. Insurers must generally complete it within five business days unless another time is agreed upon. The insurance commissioner's office says the changes should also help repair shops by improving communication and increasing transparency in how insurers determine repair costs. Auto glass professionals who believe an insurer isn't following Washington's claims handling standards can file a complaint with the Office of the Insurance Commissioner. The rules don't require insurers to approve every repair or pay every amount a shop requests. But they do establish deadlines for responding to additional repair costs and require clearer explanations when insurers disagree with repair estimates.

MarketScreener

Oct 15th, 2026

LegalZoom.com, Inc. and USAA join forces to deliver legal solutions for america?s service members and their families.

LegalZoom.com, Inc. and USAA join forces to deliver legal solutions for america?s service members and their families. Published on 10/15/2026 at 12:37 pm EDT S&P Capital IQ LegalZoom.com, Inc. announced a new alliance with USAA designed to provide valuable legal resources and savings to its 14 million active service members, veterans, and military families. The collaboration brings together two organizations with a shared commitment to serving those who serve the nation. USAA has been the trusted financial home of the military community for over a century, and LegalZoom has helped millions of Americans access affordable, reliable legal solutions with step-by-step tools and attorney guidance for their business and personal legal needs. USAA members receive up to 35% off on select LegalZoom products, helping military members and their families take an important step toward protecting their loved ones and securing their financial future. Estate plans in particular are a critical component of financial preparedness for military families who often face unique circumstances related to deployments and relocation. This offer helps USAA members create essential personal and business documents such as wills, living trusts, and powers of attorney, as well as business formations, at a significant cost savings. (C) S&P Capital IQ - 2026

The Gazette

Oct 10th, 2026

USAA adds to in-person services at Colorado Springs financial center.

USAA adds to in-person services at Colorado Springs financial center. Published October 10, 2026 2:56pm | Updated October 12, 2026 12:07pm A banking and insurance service built for veterans and their families is expanding its customer service footprint in Colorado Springs. USAA has four financial centers and one is in Colorado Springs. Rather than serving as a banking-only institution, the financial center at 1855 Telstar Drive on the city's far north side is helping roll out what the company calls One USAA. In-person help with insurance will now be available along with banking services. The company said the change will make it easier for new members - like those at the nearby Air Force Academy - to join as they're starting their military careers. Colorado Springs is the first USAA location near a service academy to get the enhanced service, the company said in a recent news release. "I know from my brother when he showed up on day one, you're getting ready to go to basic training and you're starting to get paid and you need bank accounts, you need insurance to insure your goods that will be in your dorm room," said Patrick Barry, assistant vice president of the company's financial centers. "Things you're probably not thinking about as an 18-year-old or a 17-year-old." The One USAA strategy came about after the company consistently heard members say they'd prefer to discuss certain topics - like insurance - in person rather than over the phone, Barry said. Colorado Springs is home to an estimated 90,000 veterans. Fort Carson, the Air Force Academy, Peterson and Schriever Space Force Bases and Cheyenne Mountain Space Force Station account for a military population of about 111,000 active service members, according to the Colorado Springs Chamber & EDC. USAA, which also offers investment services through a partnership with Charles Schwab & Co., according to its website, operates three other financial centers: Annapolis, Md., near the Naval Academy; Highland Falls, N.Y., near the Military Academy at West Point; and at its corporate headquarters in San Antonio. USAA has 14.3 million members, according to its 2025 annual report.

PR Newswire

Oct 9th, 2026

BNSF, First Command, WISE Advise and USAA honored with 2026 Patriots in Business Award.

BNSF, First Command, WISE Advise and USAA honored with 2026 Patriots in Business Award. Chief Executive Group Oct 09, 2026, 08:00 ET BNSF, First Command, WISE Advise and USAA have been named winners of the ninth annual Patriots in Business Award, presented by Chief Executive magazine and Thayer Leadership. The award recognizes companies for outstanding support of veterans, active-duty service members and military spouses through their business practices and community commitments. Fiserv, RecruitMilitary and Military Brands received honorable mentions. Selected by a national panel of military and business leaders, the honorees exemplify the U.S. Military Academy values of Duty, Honor and Country. Winners will be recognized November 5, 2026, at Chief Executive's annual Leadership Conference in San Antonio, Texas. WEST POINT, N.Y., Oct. 9, 2026 /PRNewswire-PRWeb/ - BNSF, First Command, WISE Advise and USAA were honored as winners of the 9th annual Patriots in Business Award for their leadership in helping America's veterans, active-duty military and military spouses. The award, presented each year by Chief Executive magazine and Thayer Leadership, is part of an ongoing effort to raise awareness among corporate leaders of best practices in helping these important communities. In addition, Fiserv, RecruitMilitary and Military Brands were awarded honorable mentions by its panel of judges. An award ceremony will take place on Nov. 5 at Chief Executive's annual Leadership Conference in San Antonio, Texas. (For more info: https://chiefexecutive.net/leadershipconference/) The Patriots in Business Award - presented this year in the categories of large, medium and small organizations, as well as a special category for military-service companies - recognizes outstanding businesses that lead its nation in supporting active-duty military members, veterans and their families and exemplify the U.S. Military Academy values of Duty, Honor and Country through their business practices and throughout their community and industry. "Service is at the heart of both the military and the railroad industry," said Katie Farmer, President and Chief Executive Officer, BNSF. "Veterans bring exceptional leadership, discipline, adaptability, and a commitment to mission that help make BNSF stronger every day. We are honored to be recognized with the Patriots in Business Award and grateful for the contributions of the veterans, service members, and military families who are part of the BNSF team." "We are deeply honored to be recognized once again with the 2026 Patriots in Business Award," said Mark Steffe, President & CEO, First Command. "Serving those who serve is not simply a market we operate in. It is our purpose and the reason First Command exists. As the only company dedicated to serving military families through a nationwide network of Advisors providing one-on-one financial coaching, we are proud to stand alongside the men and women who sacrifice so much for our country." Said Diana Jaquith, CEO & Co-Founder, WISE Advise: "Being named a Patriots in Business honoree is an incredible honor because it validates something we have believed from the beginning. Military spouses are an extraordinary workforce. Their adaptability, resilience, and ability to execute are not limitations to work around; they are competitive advantages." Said Juan C. Andrade, President & CEO, USAA: "Receiving the 2026 Patriots in Business Award is a meaningful recognition for USAA. For more than a century, serving the military community has been the heart of who we are. We are proud to work alongside business leaders who share our commitment to creating lasting change for those who serve and their families." The companies rose to the top of a highly competitive, nationwide judging process in which a panel of veterans' affairs experts and business leaders with military backgrounds, including many prior winners of the award, assessed each nominated company's programs: * Bobbie Shamblin, VP, Talent Acquisition, Arcfield * Mona Choi Dexter, VP, Military and Veteran Affairs, Comcast * Colby Barrett, Former Vice Chairman, GeoStabilization International * Joe Crandall, Executive Chairman, Greencastle Consulting * Jerry Flanagan, Founder & CEO, JDog Brands * Kelley Daviss, CHRO, Lendmark Financial Services * Freddie Kim, Founder & CEO, MilSpec Talent * Jon Ferko, Division Senior Director and Head of Strategy, Marketing, Business Development, Northrop Grumman * JJ Sutherland, CEO, Scrum, Inc. * Bryan Sevener, CEO, Valor Technologies * Greg Hamm, VP, Field & Government Recruiting, Werner Enterprises "Nine years in, the bar keeps rising," said Marshall Cooper, CEO, Chief Executive Group. "This year's honorees aren't just hiring veterans. They're building careers for military spouses and proving that supporting this community is a competitive advantage, not a charity. That's a lesson every CEO in America should take to heart." Said Dan Rice, Co-President of Thayer Leadership: "As we teach at Thayer, values-based leadership is demonstrated through knowledge and action. The companies honored this year with the Patriots in Business Award put that principle into practice by creating meaningful opportunities for veterans, service members, and military spouses. Their example challenges every business leader to consider how their organization can honor military service through a sustained commitment to those who serve and their families." About Chief Executive Group Chief Executive Group is the leading community for business leaders worldwide. The Group runs some of the most extensive peer networking organizations in America, including The Chief Executive Network, the leading CEO membership organization arranged by industry, and The CFO Leadership Council, the largest networking group for financial professionals. It publishes Chief Executive magazine, ChiefExecutive.net, Corporate Board Member magazine, BoardMember.com, CFOLeadership.com, StrategicCHRO360, as well producing conferences and roundtables that enable business leaders to discuss key subjects and share their experiences with their peers. For more information, visit ChiefExecutiveGroup.com. About Thayer Leadership An innovative executive leader development institute, globally ranked a Top 20 Leadership Training Company by Training Industry, Thayer delivers transformative leader development experiences that inspire action and change based on their values of purpose-driven character, commitment to excellence, and innovative spirit. As a leading, global expert in values-based leader development, their proprietary and motivating multi-pronged learning approach delivers a holistic experience for participants at West Point, online, virtually, or any location around the world. Thayer has trained more than 140,000 executives and front-line leaders from over 775 global companies across multiple industries, including automotive, pharmaceuticals, financial services, and more. It is a private organization not endorsed or affiliated with the U.S. Government. Learn more at thayerleadership.com. Media Contact Dan Bigman, Chief Executive Group, 1 2038894980, [email protected], chiefexecutive.net SOURCE Chief Executive Group