Cherika Shelton
Summary
General Liability and Casualty Claims Adjuster with 12+ years of experience investigating, evaluating, and negotiating auto, property, bodily injury, and general liability claims for major carriers and TPAs. Skilled in recorded statements, evidence collection, coverage analysis, report writing, and client communication. Strong desk adjusting experience with ability to manage complex files, analyze special damages, and deliver accurate, timely reports in client-specific formats. Proven performance in remote and hybrid environments with strong technical and organizational skills.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Auto & Commercial Liability Adjuster
TheBest Claims Solutions
01.2025 - 01.2026
- Began handling personal auto liability claims and transitioned into commercial auto liability claim handling.
- Investigated first- and third-party commercial auto claims from initial report through resolution.
- Conducted recorded statements, reviewed police reports, scene documentation, and liability evidence.
- Evaluated coverage, determined liability exposure, and assessed comparative negligence.
- Reviewed repair estimates, medical documentation, invoices, and supporting claim materials.
- Maintained diary management, reserves, and timely claim documentation in compliance with carrier guidelines.
- Communicated with insureds, claimants, attorneys, repair facilities, and vendors regarding claim status and settlement activity.
- Assisted with general liability claims involving slip and falls, premises liability, and property damage exposures.
- Negotiated settlements within authority while ensuring quality claim handling and customer service standards.
Property Damage Adjuster
State Farm
01.2024 - 01.2025
- Handled property, casualty, and auto claims including liability and coverage evaluations.
- Managed total-loss auto claims from FNOL through settlement in a high-volume desk environment.
- Conducted phone investigations, took recorded statements, and obtained required evidence.
- Reviewed repair estimates, contractor documentation, and special damages.
- Evaluated vehicle valuations and documentation to determine fair market value.
- Prepared reports and communicated with clients to ensure accuracy and timely file movement.
Liability Claims Adjuster
Insurance Placement Solutions (The General Insurance)
01.2023 - 01.2024
- Investigated first- and third-party general liability, property damage, premises liability, and auto claims.
- Conducted recorded statements, evidence gathering, and analysis of medical reports and wage loss.
- Evaluated coverage, determined liability, and negotiated settlements within authority.
- Communicated daily with clients, claimants, attorneys, and vendors.
- Utilized ISO, Accurint, and E-Hub to support investigations and claim resolution.
Liability Claims Adjuster
QuestPro Consultants-Custard Insurance (Progressive Insurance)
01.2021 - 01.2022
- Managed auto and property liability claims from investigation through conclusion.
- Performed phone investigations, obtained statements, and coordinated repairs.
- Evaluated special damages and negotiated settlements in compliance with guidelines.
Liability & Auto Damage Specialist
Travelers Insurance
01.2019 - 01.2021
- Adjusted auto and property liability claims including BI, PD, and subrogation files.
- Analyzed documentation, reviewed estimates, and validated claim-related damages.
- Coordinated with insureds, repair shops, and attorneys to resolve claims efficiently.
Auto Liability Adjuster
The Best IRS / Trexis Insurance
01.2017 - 01.2019
- Investigated auto liability, BI, and total-loss claims.
- Conducted recorded statements, reviewed police reports, and evaluated coverage.
- Partnered with SIU to address suspected fraud using ISO and Accurint.
Catastrophe & Property Desk Adjuster
Eberls / Alacrity Solutions
01.2024
- Investigated high-volume residential and commercial property claims.
- Conducted damage reviews, coordinated ALE accommodations, and analyzed estimates.
- Delivered timely, concise reports in required client formats.
Education
Bachelor's Degree - Human Services
University of Phoenix
Billing & Coding Diploma -
Tennessee College of Applied Technology
Skills
- General Liability & Casualty Claims
- Phone Investigations & Recorded Statements
- Coverage Analysis & Policy Interpretation
- Negotiation & Settlement of Claims
- Subrogation & SIU/Fraud Review
- Microsoft Office (Word, Excel, Outlook)
Certification
- Licensed All Lines Adjuster - 29 States (Including TX, FL & NY)
- AIC - Associate in Claims
- Commercial Casualty I - National Alliance
- Texas & Tennessee Workers' Compensation Certified Adjuster
- NFIP Flood Certification
- Certified Billing & Coding Specialist - NHA
Timeline
Auto & Commercial Liability Adjuster
TheBest Claims Solutions
01.2025 - 01.2026
Property Damage Adjuster
State Farm
01.2024 - 01.2025
Catastrophe & Property Desk Adjuster
Eberls / Alacrity Solutions
01.2024
Liability Claims Adjuster
Insurance Placement Solutions (The General Insurance)
01.2023 - 01.2024
Liability Claims Adjuster
QuestPro Consultants-Custard Insurance (Progressive Insurance)
01.2021 - 01.2022
Liability & Auto Damage Specialist
Travelers Insurance
01.2019 - 01.2021
Auto Liability Adjuster
The Best IRS / Trexis Insurance
01.2017 - 01.2019
Bachelor's Degree - Human Services
University of Phoenix
Billing & Coding Diploma -
Tennessee College of Applied Technology