Senior Claims Adjuster Auto, Property & Liability

ANTI JUANA SMITH

Lancaster, TX 214-***-**** *********@*****.***

SENIOR AUTO, PROPERTY, COMMERCIAL LIABILITY CLAIMS ADJUSTER

Complex Claims Coverage & Liability Negotiation Multi-State Licensed

PROFESSIONAL SUMMARY

Experienced insurance claims professional with a strong background in handling complex auto, property, and liability claims, including coverage analysis, liability determination, damage evaluation, and settlement negotiation. Proven ability to independently investigate losses, identify fraud and subrogation potential, manage litigation-supported files, and resolve claims within assigned authority. Known for excellent customer communication, strong documentation, and sound judgment on complex exposures. Currently pursuing a Bachelor of Science in Accounting and Finance.

CORE CLAIMS EXPERTISE

Complex Auto & Liability Claims

Coverage, Liability & Damage Determination

Bodily Injury Exposure Awareness

Claim Investigation & Fact Analysis

Negotiation & Settlement Authority

Unrepresented Claimant Communication

Fraud Identification & SIU Referrals

Subrogation Recognition

Litigation-Supported Claims

Independent Case Management

CLAIMS SYSTEMS & TOOLS

Guidewire ClaimCenter Xactimate Symbility CCC One Mitchell Virtual Inspections Microsoft Office

PROFESSIONAL EXPERIENCE

Property Desk Adjuster – Alacrity Solutions (Supporting USAA) April 2025 – Present

Independently investigate and adjust residential and commercial claims in accordance with carrier guidelines.

Analyze policy language, endorsements, and exclusions to support defensible coverage determinations.

Prepare accurate estimates using Xactimate and Symbility.

Negotiate settlements within assigned authority while maintaining audit-ready documentation.

Resolution Manager – Gallagher Bassett January 2024 – April 2025

Managed complex auto, property, and liability claims with litigation exposure.

Conducted detailed investigations to confirm facts of loss and assess exposure.

Negotiated settlements while controlling indemnity and expense exposure.

Identified fraud indicators and subrogation opportunities and partnered with SIU and defense counsel.

Provided guidance to junior adjusters on complex claim handling.

Property Desk Adjuster – Sedgwick August 2022 – December 2023

Handled high-volume property claims while delivering strong customer service

Reviewed policies and determined coverage eligibility

Communicated with insureds, vendors, and agents via phone, email, and written correspondence

Prepared repair and replacement estimates

Negotiated settlements and revised reserves as claim exposure changed

Auto Desk Appraiser (CAT) – The Best Claim April 2021 – July 2022

Inspected vehicles, documented damages, and prepared auto appraisals

Reviewed estimates and processed supplements for hidden damages

Determined total loss values and salvage estimates using Mitchell and Claim Leader

Supported adjusters with complex physical damage claims

Claims Adjuster – Daily Claims

Eberls Claims Solutions (State Farm) June 2019 – February 2021

Investigated property and auto claims, including interviews and damage assessments

Reviewed contractor estimates and negotiated settlements within authority

Documented findings in claims systems and prepared detailed reports

Ensured compliance with state regulations and client guidelines

Served as primary point of contact for policyholders and vendors

ECTA Adjuster

The Best Claims Solutions April 2018 – June 2019

Investigated claims using internal and external resources

Determined policy coverage and communicated findings to insureds and agents

Established and adjusted claim reserves

Negotiated settlements within assigned authority

Coordinated with field appraisal, subrogation, and SIU teams

Senior Shared Accounts Payable Manager

Steward Healthcare Systems February 2010 – October 2017

Led and developed a team of up to 40 accounting professionals

Oversaw accounts payable operations, including 1099s, vendor setup, and reconciliations

Assisted with month-end close, accruals, and account reconciliations

Developed procedures to improve efficiency, compliance, and internal controls

Collaborated with finance, operations, and revenue teams to resolve discrepancies

EDUCATION

Bachelor of Science – Accounting & Finance (In Progress) Expected December 2026

LICENSES

TX, LA, OK, AZ, AR, GA, FL, NM, SC

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