Sr. Auto Appraiser - Virginia Beach Metro, VA Home - Field

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 currently seeking a talented Sr. Auto Appraiser-Field. Within defined guidelines and framework responsible to investigate, evaluate and appraise vehicle damage claims for both repairable and total loss vehicles to ensure estimate accuracy in compliance with state laws and regulations. Accountable for delivering exceptional member service through setting appropriate expectations, proactive communications, advice, and empathy.

The Opportunity

What you'll do:

• With the use of digital tools, evaluates and appraises highly complex auto physical damage claims in accordance with the terms and conditions of the contract, corporate guidelines and state laws and regulations.

• Investigates claim damages including communicating with the insured, internal claims adjusters, and third parties/vendors. May require face-to-face interactions with members and third parties.

• Reviews facts of loss and vehicle damage to determine if subrogation opportunities exist and ensures all supporting physical damage documentation is in the claim.

• Demonstrates advanced knowledge of P&C insurance industry products, services, contracts, and internal processes/systems/procedures to ensure compliance with laws, regulations, and policy provisions.

• Reviews claims/suppliers for fraud indicators and refers to Special Investigations Unit for handling, if applicable.

• Maintains accurate and current claim file documentation throughout the claims process for complex claims.

• Maintains high standards of productivity through effective desk management, timely follow ups, and accurate mapping of repair plan and timeline for repair in support of fast and accurate claims adjudication.

• Responsible for reviewing additional damages received from repair facilities to either complete a supplement or triage to field provider method of inspection.

• May serve as a subject matter authority representative for disputed claims or trials. Serves as a resource to team members on escalated issues of a routine nature.

• Partners with vendors and internal business partners to facilitate highest complexity claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance.

• Proactively provides policyholders with information regarding their coverage, repair estimate or total loss valuation, and claims/repair process while setting appropriate expectations.

• 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.

• 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.

• 2 years of auto appraising experience.

• Proficient knowledge of P&C insurance policy contracts and coverages, auto parts distribution process and claim appraisal process and procedures.

• Advanced working knowledge of estimating losses using CCC or similar estimating platforms.

• Demonstrated written and verbal skills to communicate with members, claimants, repair facilities, and other internal and external stakeholders.

• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

What set’s you apart:

• CCC estimating system experience strongly preferred

• I-Car Platinum™ designation

• Comfortable working in a fast paced, high productivity virtual estimating environment.

Physical Dema