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Self Employed Insurance Adjuster Jobs (NOW HIRING)

USAA

Senior Personal Property Claims Adjuster - Field

Phoenix, AZ · On-site +1

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm/analyze coverage, recognize ... Candidates currently living in this location or willing to self-relocate are encouraged to apply.

USAA

Senior Personal Property Claims Adjuster - Field

Seattle, WA · On-site +1

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm/analyze coverage, recognize ... Candidates currently living in this location or willing to self-relocate are encouraged to apply.

USAA

Senior Personal Property Claims Adjuster - Field

Phoenix, AZ · On-site +1

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm/analyze coverage, recognize ... Candidates currently living in this location or willing to self-relocate are encouraged to apply.

USAA

Property Claims Adjuster Specialist - Field

Portland, OR · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm and analyzes coverage ... Candidates currently living in this location or willing to self-relocate are encouraged to apply.

USAA

Property Claims Adjuster Specialist - Field

Phoenix, AZ · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm and analyzes coverage ... Candidates currently living in this location or willing to self-relocate are encouraged to apply.

USAA

Property Claims Adjuster Specialist - Field

Olympia, WA

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm and analyzes coverage ... Candidates currently living in does location or willing to self-relocate are encouraged to apply.

USAA

Property Claims Adjuster Specialist - Field

Portland, OR · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm and analyzes coverage ... Candidates currently living in this location or willing to self-relocate are encouraged to apply.

USAA

Property Claims Adjuster Specialist - Field

Phoenix, AZ · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm and analyzes coverage ... Candidates currently living in this location or willing to self-relocate are encouraged to apply.

USAA

Property Claims Adjuster Specialist - Field

Spokane, WA · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... insurance claims presented by or against our members. You will confirm and analyzes coverage ... Candidates currently living in this location or willing to self-relocate are encouraged to apply.

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Self Employed Insurance Adjuster information

See salary details

$19.5K

$74.7K

$110.5K

How much do self employed insurance adjuster jobs pay per year?

As of Aug 19, 2026, the average yearly pay for self employed insurance adjuster in the United States is $74,680.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,000.00 and $100,000.00 per year, depending on experience, location, and employer.

What is the difference between Self Employed Insurance Adjuster vs Independent Insurance Adjuster?

AspectSelf Employed Insurance AdjusterIndependent Insurance Adjuster
CredentialsLicensing, certifications vary by stateSame as self employed, often requires licensing and certifications
Work EnvironmentFreelance, operates independently, may work remotely or on-siteIndependent contractor, often works on claims at various locations
Employer & Industry UsageWorks independently or for multiple firmsHired by insurance companies or adjusting firms for specific claims

Both roles involve assessing insurance claims, require licensing, and often operate independently. The key difference is that a Self Employed Insurance Adjuster works independently across multiple clients, while an Independent Insurance Adjuster is typically contracted by insurance companies or adjusting firms for specific claims.

Is a self employed insurance adjuster a good side hustle?

A self-employed insurance adjuster can be a viable side hustle, as it offers flexible hours and the potential for additional income. Success depends on industry knowledge, licensing requirements, and the ability to handle claims efficiently. It often requires strong communication skills and familiarity with claims management tools.

Which type of insurance adjuster is self-employed?

A self-employed insurance adjuster is typically an independent adjuster who works on a contract basis rather than for a specific insurance company. They often handle claims for multiple insurers, use their own tools, and may need licensing or certification depending on the state or region.

What cities are hiring for Self Employed Insurance Adjuster jobs?

Cities with the most Self Employed Insurance Adjuster job openings:

What are the most commonly searched types of Insurance Adjuster jobs?

The most popular types of Insurance Adjuster jobs are:

What states have the most Self Employed Insurance Adjuster jobs?

States with the most job openings for Self Employed Insurance Adjuster jobs include:

Self Employed Insurance Adjuster jobs near you

Senior Personal Property Claims Adjuster - Field

USAA

Phoenix, AZ • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 13 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 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 Phoenix, AZ 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 Phoenix, AZ
  • 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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