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Property Claims Adjuster Jobs (NOW HIRING)

Liberty Mutual

Field Property Claims Adjuster

Gary, IN

$57K - $96K/yr

Description Join us as a Field Property Claims Adjuster where you'll be responsible for helping our customers navigate the claims process and get back on their feet following damage to the homeowner ...

Liberty Mutual

Field Property Claims Adjuster

Phoenix, AZ · On-site

$96K/yr

Description Join us as a Field Property Claims Adjuster where you'll be responsible for helping our customers navigate the claims process and get back on their feet following damage to the homeowner ...

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Property Claims Adjuster information

See salary details

$23.5K

$71.3K

$97.5K

How much do property claims adjuster jobs pay per year?

As of Aug 18, 2026, the average yearly pay for property claims adjuster in the United States is $71,265.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $86,500.00 per year, depending on experience, location, and employer.

What is a property claims adjuster?

A property claims adjuster is a specialized insurance inspector whose job is to inspect property damage, such as wind or flood damage to a commercial or residential building, and assess how much an insurance company should pay based on the policy terms of coverage. As a property claims adjuster, your duties and responsibilities include interviewing the policyholder and other witnesses to the damage, investigating the damage, and analyzing other records. You may consult with other experts, such as engineers and lawyers, to determine the scope of the claim. You then write a report and pass it on to an examiner, whose job it is to approve or deny claims.

What does a property claims adjuster do?

A Property Claims Adjuster is responsible for evaluating insurance claims related to property damage, such as damage from storms, fires, or theft. They investigate the circumstances of the claim, inspect the property, review policy details, and determine the extent of the insurance company's liability. Adjusters work closely with policyholders, contractors, and sometimes law enforcement to gather all relevant information. Their goal is to ensure claims are settled fairly and efficiently, in accordance with the terms of the insurance policy.

What are the key skills and qualifications needed to thrive as a property claims adjuster, and why are they important?

To thrive as a Property Claims Adjuster, you need strong analytical skills, knowledge of insurance policies, and a relevant degree or industry certification such as AIC (Associate in Claims). Familiarity with claims management software, digital inspection tools, and estimating systems like Xactimate is typically required. Excellent communication, negotiation, and attention to detail are soft skills that set top adjusters apart. These skills ensure accurate claim assessments, positive customer interactions, and efficient resolution of property claims.

What are some common challenges faced by property claims adjusters, and how can they be managed effectively?

Property Claims Adjusters often encounter challenges such as managing a high volume of claims, handling emotionally distressed clients, and navigating complex policy details. Effective time management and strong organizational skills are crucial for prioritizing tasks and responding promptly to claimants. Building rapport with clients and maintaining clear communication can help manage expectations and diffuse difficult situations. Additionally, staying up-to-date with industry regulations and leveraging technology for documentation can streamline the claims process and reduce errors.

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

AspectProperty Claims AdjusterInsurance Claims Examiner
Required CredentialsHigh school diploma or equivalent; some roles require licensing or certificationsHigh school diploma; often requires licensing or certifications
Work EnvironmentField and office settings, inspecting property damageOffice-based, reviewing claims and documentation
Employer & Industry UsageInsurance companies, adjusting property damage claimsInsurance companies, reviewing claims for validity and coverage
Common Search & Comparison IntentYesYes

The main difference between a Property Claims Adjuster and an Insurance Claims Examiner lies in their roles. Property Claims Adjusters typically inspect and assess property damage on-site, working directly with policyholders. Insurance Claims Examiners review claims submitted by policyholders, often working in an office setting to verify coverage and validity. Both roles require similar credentials and are integral to the insurance industry, but they focus on different stages of the claims process.

Is it worth becoming a property claims adjuster?

A property claims adjuster evaluates insurance claims related to property damage, often requiring strong communication, analytical skills, and knowledge of insurance policies. The role offers steady employment, opportunities for advancement, and typically requires licensing or certification. It can be a stable career for those interested in insurance and claims management.
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Property Claims Adjuster jobs near you
Infographic showing various Property Claims Adjuster job openings in the United States as of August 2026, with employment types broken down into 85% Full Time, 13% Part Time, 1% Temporary, and 1% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $71,265 per year, or $34.3 per hour.

Property Claims Adjuster Specialist - Field

USAA

Jacksonville, NC • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 18 days ago

USAA rating

8.2

Company rating: 8.2 out of 10

Based on 262 frontline employees who took The Breakroom Quiz

51st of 171 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 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 area of Jacksonville, NC. 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 carrier 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 Jacksonville, NC
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.

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