This field-based Senior Auto Appraiser role in Baltimore and Montgomery County, MD, involves investigating, negotiating, evaluating, and appraising vehicle damage claims. You will ensure estimate accuracy in compliance with state laws and regulations, while delivering exceptional member service through proactive communication and empathy. What a Senior Auto Appraiser Does Evaluate and appraise highly complex auto physical damage claims using digital tools, adhering to contract terms, corporate guidelines, and state regulations. Investigate claim damages by communicating with insured parties, internal claims adjusters, and third parties/vendors, including face-to-face interactions. Review facts of loss and vehicle damage to identify subrogation opportunities and ensure all physical damage documentation is in the claim. Apply advanced knowledge of P&C insurance industry products, services, contracts, and internal processes to ensure compliance with laws and policy provisions. Review claims for fraud indicators and refer to the Special Investigations Unit when applicable. Maintain accurate and current claim file documentation for complex claims throughout the process. Maintain high productivity through effective desk management, timely follow-ups, and accurate mapping of repair plans and timelines. Review additional damage received from repair facilities to complete supplements or triage to field provider inspection methods. Serve as a subject matter expert for disputed claims or trials and as a resource for team members on escalated issues. Partner with vendors and internal business partners to resolve highly complex claims, potentially involving external regulatory coordination. Proactively provide policyholders with information regarding coverage, repair estimates, total loss valuations, and the claims/repair process. Support workload surges and catastrophe (CAT) response operations, including mandatory on-call dates and potential evening, weekend, and/or holiday work. Be assigned CAT deployment travel with minimal notice during designated CATs. Work various types of claims, including those of higher complexity, and perform additional duties as needed. Ensure risks associated with business activities are identified, measured, monitored, and controlled according to risk and compliance policies. Supporting Your Well-being and Growth Comprehensive medical, dental, and vision plans 401(k) retirement plan Pension plan Life insurance Parental benefits Adoption assistance Paid time off program with paid holidays 16 paid volunteer hours Various wellness programs Career path planning and continuing education Supporting Your Well-being and Growth USAA offers a robust benefits package designed to support the physical, financial, and emotional well-being of its employees. This includes comprehensive medical, dental, and vision plans, along with a 401(k) and pension plan for financial security. Employees also receive life insurance, parental benefits, adoption assistance, and a generous paid time off program that includes paid holidays and volunteer hours. Additionally, various wellness programs and opportunities for career path planning and continuing education are provided to support professional growth. Who We Are Looking For We are seeking a Senior Auto Appraiser with a High School Diploma or GED and at least two years of auto appraising experience. The ideal candidate will possess proficient knowledge of P&C insurance policy contracts, coverages, auto parts distribution, and claim appraisal processes, along with advanced working knowledge of estimating losses using platforms like CCC. Strong written and verbal communication skills are essential for effective interaction with various stakeholders. You must be able to acquire and maintain an insurance adjuster license within 90 days and three attempts. Candidates should be aware that the role can be physically demanding, involving outdoor work, vehicle inspections, and potentially working in body shop or salvage yard environments. Meeting USAA's safe driving requirements is also necessary. Additional qualifications that would set you apart include I-CAR ProLevel 3 certification, experience as a Field Auto Appraiser with a P&C insurance carrier, expertise in preparing estimates with the CCC platform, and the ability to balance virtual and field collision repair estimates. The ability to deploy for catastrophe response and US military experience are also valued. High School Diploma or General Equivalency Diploma. 2 years of auto appraising experience. Proficient knowledge of P&C insurance policy contracts, coverages, auto parts distribution, and claim appraisal processes. Advanced working knowledge of estimating losses using CCC or similar estimating platforms. Demonstrated written and verbal communication skills for interacting with members, claimants, repair facilities, and stakeholders. Ability to acquire and maintain an insurance adjuster license within 90 days and 3 attempts. Awareness that the role may require operating a company vehicle, reaching, handling, squatting, bending, climbing, and kneeling for vehicle inspections. Awareness that the role may involve working outdoors in inclement weather and in body shop/salvage yard environments up to 25% of the time. Awareness that the role may require meeting USAA safe driving requirements, including MVR verification and a valid driver's license. I-CAR ProLevel 3 (Platinum) certification or actively pursuing ProLevel 3 is a plus. Experience as a Field Auto Appraiser with a Property & Casualty (P&C) insurance carrier is a plus. Experience and ability to prepare estimates and evaluations using the CCC estimating platform is a plus. Experience and ability to balance writing accurate collision repair estimates in both Virtual & Field environments is a plus. Ability to deploy on CAT when needed is a plus. US military experience gained through military service or as a military spouse/domestic partner is a plus. Why USAA is a Great Place to Work Field-based role in Baltimore and Montgomery County, MD Support for active-duty military spouses with remote or hybrid flexibility Opportunity to serve the military community and their families Work within a company defined by core values: honesty, integrity, loyalty, and service Potential for CAT deployment travel with minimal notice Advance Your Career as a Senior Auto Appraiser Join USAA as a Senior Auto Appraiser and apply your expertise in a field-based role within Baltimore and Montgomery County, MD. This position offers a competitive salary, a comprehensive benefits package, and the chance to contribute to a mission-driven organisation dedicated to serving the military community. If you are an experienced appraiser seeking a fulfilling career with strong values, this opportunity is for you.