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Insurance Adjuster Inspector Jobs in Virginia (NOW HIRING)

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Insurance Adjuster Inspector information

What are some common challenges faced by Insurance Adjuster Inspectors when assessing property damage claims?

Insurance Adjuster Inspectors often encounter challenges such as evaluating damages that may not be immediately visible, dealing with incomplete or conflicting information from policyholders, and working under tight deadlines especially after large-scale events like storms. Balancing the need for accurate, thorough inspections with efficiency is key, as is maintaining clear communication with clients and contractors. Additionally, navigating disputes over claim settlements and staying current with evolving industry regulations can require strong problem-solving and negotiation skills.

Is being a claim adjuster worth it?

Insurance adjuster inspectors evaluate insurance claims by inspecting property damage and determining coverage. The role offers a stable career with opportunities for advancement, often requiring knowledge of insurance policies, good communication skills, and sometimes licensing or certifications. Compensation varies by experience and location but generally provides a steady income with potential for overtime and benefits.

What are the key skills and qualifications needed to thrive as an Insurance Adjuster Inspector, and why are they important?

To thrive as an Insurance Adjuster Inspector, you need strong analytical skills, attention to detail, and a background in insurance or a related field, often supported by relevant licenses or certifications. Familiarity with claims management software, digital inspection tools, and industry regulations is typically required. Excellent communication, negotiation, and customer service skills help in effectively managing claims and interacting with policyholders. These skills ensure accurate claims assessments, efficient resolution, and customer satisfaction in a competitive insurance market.

Can I get a claims adjuster job with no experience?

Insurance adjuster inspector roles typically require some knowledge of insurance claims, damage assessment, and relevant regulations, but entry-level positions may be available for candidates with strong communication skills and a willingness to learn. Many employers provide on-the-job training, and obtaining certifications such as the Certified Claims Adjuster (CCA) can improve prospects. Prior experience in customer service, construction, or related fields can also be beneficial for starting a claims adjuster career.

What are Insurance Adjuster Inspectors?

Insurance Adjuster Inspectors are professionals who investigate insurance claims by inspecting property, vehicles, or other insured items to determine the extent of damage or loss. They gather evidence, interview claimants and witnesses, review policy information, and prepare detailed reports to help insurance companies determine claim settlements. These inspectors play a critical role in ensuring that claims are processed fairly and accurately. Their work often involves on-site visits, documentation, and sometimes negotiating settlements with policyholders.

What type of adjuster gets paid the most?

In the insurance adjusting field, independent or catastrophe adjusters typically earn higher pay due to their specialized skills and the demanding nature of large-scale claims. These adjusters often work on a contract basis, handling complex or large claims such as natural disaster damage, and may receive higher compensation compared to staff or desk adjusters. Experience, certifications, and the scope of claims handled also influence earning potential.

What is the difference between Insurance Adjuster Inspector vs Insurance Claims Examiner?

AspectInsurance Adjuster InspectorInsurance Claims Examiner
Required CredentialsState licensing, insurance adjuster certificationAdjuster certification, sometimes licensing
Work EnvironmentOn-site inspections, fieldworkOffice-based, claims review
Employer & Industry UsageInsurance companies, independent adjustersInsurance carriers, claims departments
Common Search/ComparisonYesNo

Insurance Adjuster Inspectors primarily evaluate property damage on-site, requiring fieldwork and certifications. Insurance Claims Examiners review claims in an office setting, focusing on documentation and policy analysis. While both roles are integral to the insurance industry, they differ in work environment and responsibilities, making the comparison relevant for those exploring insurance careers.

Is claim adjusting a dying field?

Insurance adjuster inspectors play a key role in evaluating insurance claims, and demand for their skills remains steady due to ongoing insurance needs. While technology such as claims management software and virtual inspections are changing some processes, the profession continues to require human judgment and expertise, ensuring its relevance in the industry.
What cities in Virginia are hiring for Insurance Adjuster Inspector jobs? Cities in Virginia with the most Insurance Adjuster Inspector job openings:
Senior Personal Property Adjuster - Field

Senior Personal Property Adjuster - Field

USAA

Richmond, VA • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 28 days ago


USAA rating

8.3

Company rating: 8.3 out of 10

Based on 260 frontline employees who took The Breakroom Quiz

40th of 149 rated banks


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.
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 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.
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.
We have a positions available for an experienced Senior Field Property Adjusters with large loss specializing in Contents for the Richmond, VA area. 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 claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
  • Partners with vendors and internal business partners to facilitate moderate complexity 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 investigation information involving moderate complexity policy terms and contingencies.
  • Determines 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.
  • Maintains accurate, thorough, and current claim file documentation throughout the claims process.
  • Applies 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.
  • Applies working knowledge of industry standards of inspection, damage mitigation and restoration techniques.
  • Serves as an informal resource for team members.
  • Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.
  • 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 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.
  • May need to travel up to 50% 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:
  • 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 Richmond, VA
  • Currently hold an active Adjuster License
  • US military experience through military service or a military spouse/domestic partner

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: $63,590.00 - $121,530.00
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.

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