Fretrice Watson
Mobile,AL
Summary
Property Claims Adjuster with 4+ years of experience handling residential and commercial property claims, including catastrophe (CAT), litigation, and high-severity losses. Proven expertise in property damage assessment, coverage determination, settlement negotiation, and claim resolution while maintaining compliance with state regulations and carrier guidelines. Experienced team lead with a strong background in training, quality assurance, workflow management, and customer satisfaction. Licensed in multiple states and proficient in Xactimate, Symbility, Guidewire, XactAnalysis, and NFIP flood claims.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Daily Claims Adjuster (Inside Desk Adjuster)
Mid-America Catastrophe Services
Mobile, AL
06.2025 - 10.2025
- Managed daily residential property claims from first notice of loss (FNOL) through final settlement
- Reviewed policy coverage, estimates, and supporting documentation to determine liability and damages
- Prepared and reviewed estimates using Xactimate and Symbility in accordance with carrier and state guidelines
- Negotiated settlements with policyholders, contractors, and vendors
- Coordinated with field adjusters and leadership on complex or escalated claims
- Maintained accurate claim notes while meeting service-level and customer satisfaction standards
Residential & Commercial Desk Team Lead
Mid-America Catastrophe Services
Mobile, AL
04.2024 - 04.2025
- Supervised a team of desk adjusters handling complex residential and commercial property claims
- Reviewed estimates, coverage determinations, and settlement recommendations for accuracy and compliance
- Managed escalated, attorney-represented, and public adjuster claims
- Conducted quality audits, performance coaching, and workflow management
- Trained new and existing adjusters on estimating standards, systems, and best practices
Claims Adjuster
Mid-America Catastrophe Services
Mobile, AL
06.2023 - 01.2024
- Handled wind and hail property claims from FNOL through resolution
- Prepared estimates and statements of loss using Xactimate
- Reviewed policy coverage, processed supplements, and negotiated settlements
- Managed high-severity, attorney-represented, and public adjuster claims
- Provided clear coverage explanations and timely claim status updates
Claims Adjuster
Mid-America Catastrophe Services
Mobile, AL
10.2022 - 04.2023
- Investigated, evaluated, and resolved property and casualty claims
- Assessed coverage, liability, and settlement amounts using supporting documentation
- Communicated with insureds, contractors, and internal stakeholders
- Documented claim activity and ensured compliance with regulatory standards
- Utilized claim management systems to maintain efficient claim handling
Dispatcher
Pilot Catastrophe Services, Inc.
Mobile, AL
04.2016 - 10.2022
- Coordinated daily claim assignments for field adjusters
- Managed adjuster workloads using ServicePower, Gantt, NextGen, and Access databases
- Scheduled property inspections and served as liaison between adjusters and insureds
- Supported catastrophe response operations during high-volume events
Customer Service Representative
Infinity Client Solution
Mobile, AL
04.2012 - 04.2016
- Assisted customers with payday and student loan consolidation programs
- Handled high-volume inbound calls while maintaining accuracy and professionalism
- Processed payments and documented account activity
- Resolved customer inquiries and escalations to ensure satisfaction
Customer Service Sales Representative
Sears Teleservice
Mobile, AL
01.2010 - 04.2012
- Delivered scripted sales presentations for financial products and services
- Met performance and quality metrics in a fast-paced call center environment
- Accurately collected and entered customer and payment information
Education
Some College (No Degree) -
Alabama State University
Montgomery, ALHigh School Diploma -
Theodore High School
Theodore, ALSkills
- Property Claims Adjusting (Residential & Commercial)
- Catastrophe (CAT) Claims Handling
- Coverage Analysis & Policy Interpretation
- Damage Assessment & Estimating
- Settlement Negotiation & Dispute Resolution
- FNOL to Claim Closure Management
- Litigation, Attorney & Public Adjuster Claims
- Regulatory Compliance & File Audits
- Team Leadership & Performance Management
- Training & Quality Assurance
- Customer Communication & De-escalation
- Claims Documentation & Reporting
Certification
- Licensed Property Claims Adjuster: Texas, Louisiana, Florida, Kentucky
- Citizens Certification
- State Farm Auto & Property Certification
- NFIP Flood Certified
Additional Information
15+ years of customer service experience, Strong ability to remain calm, professional, and solution-focused in high-stress situations, Open to remote and hybrid roles
Timeline
Daily Claims Adjuster (Inside Desk Adjuster)
Mid-America Catastrophe Services
06.2025 - 10.2025
Residential & Commercial Desk Team Lead
Mid-America Catastrophe Services
04.2024 - 04.2025
Claims Adjuster
Mid-America Catastrophe Services
06.2023 - 01.2024
Claims Adjuster
Mid-America Catastrophe Services
10.2022 - 04.2023
Dispatcher
Pilot Catastrophe Services, Inc.
04.2016 - 10.2022
Customer Service Representative
Infinity Client Solution
04.2012 - 04.2016
Customer Service Sales Representative
Sears Teleservice
01.2010 - 04.2012
Some College (No Degree) -
Alabama State University
High School Diploma -
Theodore High School