Field Adjuster On-Site

PROFESSIONAL PROFILE

Determined and resourceful Independent Adjuster with 5+ years of experience in

streamlining insurance claims in the most efficient manner. Adept at leveraging the knowledge of insurance adjusting in evaluating losses and property damages, examining estimates, and determining policy coverages. An Independent Adjuster that possesses the needed qualification to streamline claims designated and diligently communicate with the Insured, Agents, Vendors, and other third parties while handling multiple assignments. Currently seeking a Field Adjuster position to effectively inspect, facilitate solutions, create estimates, and implement positive changes to achieve sustainability and growth in challenging Adjusting conditions. Roanoke, TX

WORK EXPERIENCES

Field Adjuster Sept 2024 – Jan 2025

Tracker Claims Services

Efficiently process hurricane claims for Frontline and Open House in Southwest FL for Hurricane Helene and Milton.

Analyzed insurance policies to understand coverage limits, exclusions, and other relevant terms to accurately assess claims.

Documented all findings, including photographs, measurements, witness statements, and any other evidence necessary to support claim assessments. Field Adjuster Feb 2024- Current

Copper Claims Service

Process daily property and commercial claims for multiple carriers

Conducted thorough on-site inspections of properties and assessed the extent of damage or loss to determine coverage eligibility and claim validity. Field Adjuster Mar 2023 – June 2025

Reliable Adjusters Services

Efficiently process wind/hail and daily claims for Auto Owners in the Midwest region (IL/IN/OH/KY).

Analyzed insurance policies to understand coverage limits, exclusions, and other relevant terms to accurately assess claims.

Documented all findings, including photographs, measurements, witness statements, and any other evidence necessary to support claim assessments. Field Adjuster Apr 2021 – Jun 2021; Mar 2022 – Sept 2022; Mar 2024-Aug 2024 Sept 2024-Jan 2025

CNC Catastrophe and National Claims

Excelled in State Farm Auto Virtual Adjusting, processing auto claims and supplements.

Ensured that all claims processing adhered to industry regulations, company policies, and legal requirements.

Investigated the cause of damage or loss and validated the authenticity of the claim, protecting against fraudulent claims.

Handled NFIP Flood Claims for Hurricanes Helene and Milton. Field Adjuster Feb 2022 – Feb 2024

BSA Claims

Processed daily property and liability claims for Florida Peninsula, Edison, and Florida Citizens.

Successfully managed claims during Hurricane Ian (9/28/2022-12/24/2022), demonstrating adaptability under high-pressure conditions. 251-***-****

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LICENSES

Alabama #300*******

Arizona #19640762

Florida #W691378

Georgia #3548957

Indiana #3887952

KY #DOI-1139696

Louisiana #902873

Nevada #3775288

Oregon #19640762

South Carolina #19640762

Texas #2658674

Oklahoma #300*******

CERTIFICATIONS

State Farm Fire

State Farm Auto

NFIP FCN #007*******

TWIA Certified

CA Earthquake

FEMA Badge

LA Citizens

CORE COMPETENCIES

Strong Communication Skills

Great Interpersonal Skills

Research Skills

Service Orientation

Conflict Resolution

Team Player/Management

Customer Service

Risk Assessment & Mitigation

Policy Management

Claims Handling and

Investigations

Liability Exposure Evaluation

Project Management

Confidential Records

Management

Insurance Regulations

Insurance Policy Coverage

Z A C HARY W I L COX

Experienced & Result-Oriented Independent Adjuster WORK EXPERIENCES (CONT’D)

Field Adjuster Oct 2020 – Nov 2021; Jan2023 - Feb2023 Pilot Catastrophe Services

Processed wind and freeze property claim for Allstate during Hurricane Sally.

Managed claims during the Texas Winter Storm (2/18/2021 – 3/31/2021) and Alabama Tornado (01/15/2023- 02/15/2023).

Prepared detailed claims reports and maintained accurate records of all interactions and assessments for compliance, audit, and legal purposes. Desk Adjuster July 2021 – Sept 2021

E.A. Renfroe

Conducted remote desk adjusting, specializing in processing State Farm Auto Complex Claims.

Provided clear and empathetic communication to policyholders, explained the claims process, addressed concerns, and kept clients informed throughout.

Determined whether claims fall within the scope of the policy's coverage and advised on coverage limits and deductibles.

Field Adjuster Sept 2021 – Nov 2021

Southeast Catastrophe Claims Consultants

Processed wind claims and supplements for Fednat during Hurricane Ida.

Prepared accurate cost estimates for repairs or replacements, considering factors like labor, materials, and local market rates.

Liaised with policyholders, claimants, contractors, and other relevant parties to reach fair and equitable settlements.

Field Adjuster Bryant Disaster Services Sept 2020 – Feb 2021

Assisted in field inspections, loss estimates, photo reports, coverage determinations, payments, and claims settlements.

Proficiently handled re-inspections, processed supplement claims, and addressed claims.

Provided guidance to policyholders on steps they can take to mitigate further damage, such as emergency repairs or temporary accommodations.

Mobilized quickly and efficiently to assess and process claims in the event of natural disasters or large-scale catastrophes.

Operations Manager Howard Technology Solutions Sept 2019 – Sept 2020

Directed daily operations across technology solutions, logistics, and client support to ensure seamless delivery of IT products and services.

Oversaw vendor management, procurement, and inventory control to optimize supply chain performance and maintain on-time project fulfillment.

Developed and monitored KPIs to track operational performance, identify gaps, and drive continuous improvement initiatives.

Managed a team of Inside Sales Managers, Bid Specialists, and order processors.

Division Manager Waffle House Inc Aug 2011 – Sept 2019

Directed operations for a multi-unit division, overseeing 10 restaurants and managing P&L responsibility exceeding $15 million.

Recruited, trained, and developed management teams, building a pipeline of leaders and improving retention and promotion rates.

Drove revenue growth by implementing sales initiatives, optimizing labor costs, and enhancing guest satisfaction scores.

Ensured operational consistency by enforcing company standards in food quality, safety, and customer service across all units.

Cultivated a culture of accountability, teamwork, and service excellence that boosted both employee morale and customer loyalty. CORE COMPETENCIES

Damage Estimating

Property Claims

File Reviewing

Data Analysis

Documentation and Reporting

Microsoft Office

Xactimate X1

Xactianalysis

Symbility Mobile

Microsoft Office

CCC

Audatex

EDUCATION

B.S. Hospitality and Tourism

Management University of

Southern Mississippi

August 2006 – August 2011

While in school I was a

member of Pi Kappa Phi

Fraternity, Eagle Connection

Student Recruiters, Study

Abroad Program, Journey of

Hope Cyclist and Leadership

Scholarship Program.

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