KIMBERLY CHOWDHURY
Roswell,GA
Summary
Skilled Senior Property Claims Desk Adjuster with 16+ years' strong background in handling complex claims and loss assessments. Adept at delivering results through strategic analysis, negotiation, and resolution of high-stakes cases. Known for exceptional teamwork, adaptability, and client-focused approach, ensuring efficient and effective outcomes. Highly reliable, with focus on maintaining standards and achieving organizational goals.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Executive General Adjuster
DYNAMIC CLAIMS ADMINISTRATIVE SERVICES, LLC
01.2024 - 03.2025
- Mandated with handling high-complexity tenant liability claims for residential and commercial properties
- Investigated, evaluated, and resolved claims while ensuring full regulatory and policy compliance
- Collaborated with legal teams, property managers, and contractors; implemented innovative risk mitigation strategies
- Reduced resolution time by 30% and cut claim payouts by 15% while increasing claim accuracy by 25%
- Authored comprehensive reports that provided actionable insights for executive decision-making
Commercial Property Claims Adjuster
SEDGWICK CLAIMS MANAGEMENT SERVICES (THE CHUBB INSURANCE)
07.2024 - 11.2024
- Operated small commercial property claims within the Claim Connect System
- Assessed damages, review policy coverage, and determine liability for accurate resolutions
- Conferred settlements with policyholders, attorneys, and third-party representatives; partnered with underwriting and legal teams
- Attained a 95%+ customer satisfaction rate and boosted processing efficiency by 20% with a 98% documentation compliance rate
Commercial Property Claims Adjuster
SEDGWICK CLAIMS MANAGEMENT SERVICES (THE CHUBB INSURANCE)
05.2023 - 12.2023
- Evaluated claim files through thorough damage assessments and policy reviews using Claim Connect
- Settled with varied stakeholders to secure fair and timely claim resolutions, sustaining a 95%+ satisfaction rate
- Maintained rigorous documentation practices that ensured compliance with regulatory standards
Complex Property Claims Adjuster
RYZE CLAIMS
02.2023 - 05.2023
- Faced a backlog of UPC insolvent claim files requiring calibrated documentation
- Sort and process claim records using ImageRight and Lightspeed systems
- Reviewed and verified records, collaborating with legal teams for pre-suit and litigation cases
- Reduced processing time by 30% and achieved a 95% case closure rate within designated timeframes
Senior Property Claims Adjuster
GLOBAL RISK SOLUTIONS (AMERICAN TRADITIONS INSURANCE)
10.2022 - 01.2023
- Assigned claims for mobile and manufactured homes affected by Hurricane Ian and Nicole.
- Led full-cycle claim investigations and damage assessments.
- Inspected property damage, analyzed policy coverage, and bargained settlements with diverse stakeholders.
- Closed 100% of assigned cases on time and enhanced audit readiness with 100% compliance.
Commercial Property Claims Adjuster
ALLIED UNIVERSAL COMPLIANCE & INVESTIGATIONS
06.2021 - 10.2022
- Managed daily and catastrophe claims for commercial properties (churches, schools)
- Audited complex claims, ensuring timely resolution and regulatory adherence
- Collaborated with field adjusters and legal teams; applied data-driven assessments for settlements
- Earned a 95% claims resolution rate within 30 days and reduced processing errors by 20%
Senior Property Claims Adjuster
EBERLS CLAIMS SERVICE
03.2022 - 05.2022
- Charged with managing flood disaster claims during a critical event
- Enforce end-to-end property claims for 100+ cases
- Led investigations, coordinated with legal experts, and streamlined documentation processes
- Reduced claim disputes by 30% and accelerated processing time by 20%, ensuring client satisfaction
Senior Property Claims Adjuster
SEIBELS (HOMEOWNERS OF AMERICAN INSURANCE)
02.2021 - 05.2021
- Conducted comprehensive coverage analyses for copious policy types (HO2, HO3, HO4, HO6, DP3)
- Improved estimate accuracy by 20% using Xactimate and XactAnalysis, reducing claim cycle time by 30%
- Orchestrated with Public Adjusters, Contractors, Attorneys, and Engineers to resolve complex claims while mitigating litigation risks
Senior Property Claims Adjuster
ALACRITY SOLUTIONS GROUP, LLC
08.2020 - 02.2021
- Reviewed field adjusters' repair estimates, ensuring 100% accuracy and reducing errors by 25%
- Streamlined documentation verification, boosting compliance by 30% and cutting approval times by 20%
- Mentored review staff to enhance proficiency, resulting in a 15% increase in processing speed
Property Appraisal Examiner
CALIBRATED INSURANCE SERVICES, LLC
05.2019 - 07.2020
- Conducted detailed property research and prepared USPAP-compliant appraisal reports with 100% accuracy
- Audited appraisal methodologies, improving accuracy by 20% and reducing reserve discrepancies by 15%
- Regulated settlements with reinsurers, cutting resolution time by 25% while maintaining strict regulatory adherence
Senior Desk Examiner
ALTERNATIVE CLAIMS SERVICES
10.2018 - 05.2019
- Processed first notice of loss claims, ensuring 100% compliance with company and regulatory standards
- Mediated and governed field loss adjustments, achieving a 98% accuracy rate in damage assessments
- Identified salvage and indemnification opportunities, reducing claim leakage by 15%
Senior QA File Reviewer
AmerAdjust – UPC
09.2018 - 11.2018
- Reviewed and validated network contractor estimates for technical accuracy and compliance with industry standards.
- Ensured proper file documentation, appropriate use of estimating software, and alignment with pricing databases.
- Assessed proposed repairs based on construction best practices and client requirements.
- Communicated directly with contractors to address revisions and completed secondary reviews of supplemental estimates.
- Maintained thorough documentation in XactAnalysis and internal systems throughout the process.
Senior Property CAT Desk Adjuster
Field Pros Direct- American Strategic Insurance
06.2018 - 09.2018
- Reviewed and validated contractor estimates for accuracy and compliance with industry standards.
- Ensured complete documentation, proper use of estimating software, and pricing alignment.
- Assessed proposed repairs based on construction standards and client needs.
- Coordinated directly with contractors to resolve discrepancies and reviewed supplemental estimates. Maintained detailed documentation in XactAnalysis and internal systems.
Senior Supplement/Litigation Adjuster
Network of Independent Claim Adjusters – Tower Hil
03.2018 - 06.2018
- Conducted thorough investigations on complex property claims, including analysis of liability, subrogation, and coverage determinations.
- Directed field resources, evaluated policy language, adjuster reports, and expert documentation to issue accurate loss decisions.
- Drafted estimates and correspondence using industry software, negotiated settlements, and maintained compliance with Florida statutes and continuing education requirements.
- Managed litigation files from initial plan through resolution in collaboration with defense counsel.
- Maintained organized documentation and provided high-level summaries to leadership while ensuring exceptional customer service across all communication channels.
Senior CAT File Reviewer
Administration Strategies – FEMA
11.2017 - 03.2018
- Served as a FEMA Reviewer for Hurricane Harvey, Hurricane Irma and other flood claims, conducting daily quality control (QC) audits on 10–20 high-risk files to ensure accuracy, compliance, and proper payment recommendations.
- Provided mentorship to field adjusters, collaborated with FEMA Subject Matter Experts, and supported consistent adjusting practices.
- Reviewed and analyzed claim documentation, communicated audit findings, and promoted process alignment across the review team.
Senior Inside Property Adjuster
Pacesetter Claims - Security First Insurance
11.2017 - 01.2018
- Handled a high volume of Hurricane Irma wind claims using the CARINA system, managing various HO and DP policy types.
- Reviewed field estimates, identified uncovered perils, and communicated coverage decisions clearly to insureds, including drafting denial letters with proper policy language.
- Collaborated with public adjusters, attorneys, engineers, and contractors on complex losses exceeding $50K.
- Drafted reserve adjustment spreadsheets for leadership approval and consistently adhered to industry best practices.
- Effectively set reserves and closed 80% of assigned claims within contract timelines while controlling loss adjustment expenses.
Senior CAT File Reviewer
National Claims Adjusters – People Trust Insurance
08.2017 - 11.2017
- Reviewed and validated contractor repair estimates for technical accuracy and adherence to industry standards using XactAnalysis and Xactimate.
- Ensured proper documentation, software use, and pricing alignment based on construction best practices and client requirements.
- Coordinated estimate revisions with contractors and completed secondary reviews of supplemental estimates.
- Maintained compliance with IICRC guidelines and upheld company ethics and public image.
- Collaborated with district managers on contractor compliance, engaged with clients directly, and supported special projects as needed.
Senior CAT Property Desk Adjuster - Remote
Professional Staffing Services – UPC
07.2017 - 11.2017
- Investigated and managed complex residential property claims from FNOL through settlement, including large losses over $50K.
- Set and adjusted reserves, prepared detailed estimates using Symbility, and ensured compliance with statutory filing requirements.
- Negotiated settlements within authority, processed payments, and consulted with public adjusters, attorneys, contractors, and engineers to resolve structural disputes.
- Developed action plans to drive timely resolution, managed litigation and vendor referrals, and implemented cost-containment strategies.
- Oversaw subrogation and excess carrier reporting, maintained strong client relationships, and closed 50% of assigned claims within the first two weeks.
Senior Property Claims Desk Adjuster - Remote
Professional Staffing Services – AAA
02.2017 - 07.2017
- Reviewed, investigated, and adjusted complex residential and catastrophe claims involving liability disputes, foreclosure, mold, large loss, and legal representation.
- Assessed damages, established reserves up to $100K, and prepared detailed estimates using Xactimate 28.
- Ensured compliance with Department of Insurance regulations, maintained accurate documentation, and delivered timely settlements.
- Acted as a mentor in the Senior Mentorship Program, efficiently managed multiple high-severity claims, and coordinated with field adjusters and contractors to meet resolution timelines.
Senior Total Loss Auto Adjuster
Worley Claims Service- Safeco Auto Insurance
06.2016 - 08.2016
- Handled total loss auto claims across multiple states, evaluating policy coverage and assessing vehicle damage to determine settlement eligibility.
- Resolved first- and third-party physical damage claims, negotiated settlements and excessive storage fees, and coordinated rentals or loss-of-use benefits.
- Reviewed estimates with customers, arranged re-inspections, and ensured timely salvage pickup and owner-retained settlement processing.
- Communicated procedures clearly, maintained compliance with state regulations, and consistently exceeded departmental goals for service quality and regulatory adherence.
Senior File Reviewer
NCA GROUP – Liberty Mutual Insurance
05.2015 - 06.2016
- Reviewed and collaborated with field adjusters on Daily and CAT property files to ensure estimate accuracy, policy compliance, and proper documentation.
- Served as a liaison between clients and adjusters, providing guidance on coverage interpretation, timeline adherence, and file quality.
- Drafted and issued key correspondence including denials and settlement letters, and processed estimate revisions as needed.
- Maintained detailed records in XactAnalysis, Xactimate 28, and XactContents, while managing Liberty Mutual workloads remotely.
- Ensured timely billing and licensing compliance across assigned states.
Senior Total Loss Auto Adjuster
Wardlaw Claims Service- State Farm Auto Insurance
08.2015 - 10.2015
- Managed total loss claims for automobiles and commercial vehicles across multiple states, including AK, AZ, CA, MO, MS, NY, and WA.
- Evaluated coverage, negotiated settlements, coordinated salvage and rentals, and handled subrogation demands.
- Reviewed estimates, facilitated re-inspections, and ensured accurate documentation for owner-retained vehicles.
- Issued settlement payments, maintained compliance with state regulations, and consistently exceeded service and quality benchmarks.
- Mentored new hires on total loss procedures, coverage evaluation, and regulatory standards.
Senior Property Claims Desk Adjuster
NCA Group -Liberty Mutual Insurance
04.2015 - 08.2015
- Investigated homeowner property losses, obtained supporting documentation such as police reports, and maintained detailed records of all customer interactions.
- Reviewed claims, denials, and supplements submitted by outside adjusters, and prepared accurate settlements.
- Negotiated repairs with contractors, wrote estimates using Xactimate, XactContents, and XactAnalysis, and ensured timely claim closures.
- Served as a Team Lead, supporting workflow coordination and meeting departmental deadlines.
Auto Claims Adjuster
Crawford & Company - State Farm Auto Insurance
02.2014 - 04.2015
- Applied in-depth knowledge of insurance regulations and policy interpretation to resolve complex structural claims.
- Set and adjusted reserves, prepared estimates using Xactimate and related tools, and collaborated with insureds, legal teams, and vendors throughout the claim lifecycle.
- Prioritized high-volume caseloads under pressure while identifying subrogation opportunities and maintaining exceptional customer service.
Large Loss Property Adjuster (Coor Unit)
Pilot Catastrophe Services - Allstate Insurance
01.2009 - 02.2014
- Demonstrated advanced knowledge of insurance regulations, statutory law, and case law to evaluate and resolve complex structural property damage claims.
- Proficient in interpreting routine and complex policy contracts to ensure accurate coverage application.
- Responsible for setting and adjusting reserves in alignment with evolving claim details.
- Skilled in using Xactimate, XactContents, and XactAnalysis for estimate preparation.
- Effectively communicated with insureds, legal teams, vendors, and internal stakeholders to manage the full claims lifecycle.
- Prioritized high-volume workloads under tight deadlines, consistently identifying opportunities for subrogation and recovery while delivering exceptional service to agents, policyholders, and partners.
Education
MBA - Healthcare Administration
George Washington University
Washington, D.C.05.2008
Bachelor of Science - Biochemistry
University of South Alabama
Mobile, AL05.1994
Skills
- Proficient in Xactimate
- Experienced in XactAnalysis
- Skilled in navigating Claim Connect system
- Experience with ImageRight
- Property damage analysis
- Effective claims negotiation
- Coverage Determonation
- Settlement optimization
- Risk Mitigation Strategies
- Compliance and audit preparation
- Liability risk analysis
- Policy interpretation
Certification
- Licensed Adjuster (Active in 28 states)
- The National Flood Insurance Program (NFIP) - FEMA
- The Texas Windstorm Insurance Association (TWIA) - State of Texas
- The Florida & Louisiana Citizens
- Tower Hill Certification
Affiliations
- Alpha Kappa Alpha Sorority Inc.
- Big Brother & Big Sister Program
Languages
English
Native or Bilingual
Arabic
Professional Working
French
Limited Working
Spanish
Professional Working
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Interests
Animals
Home Decor
Fashion Designing
Health and Wellness
Crafting
Drawing
Painting
Gardening
Cooking
Traveling
Work Preference
Work Type
Full TimeContract WorkWork Location
RemoteImportant To Me
Paid sick leave401k matchPaid time offWork from home optionWork-life balanceFlexible work hoursCompany CultureHealthcare benefitsStock Options / Equity / Profit SharingCareer advancementTimeline
Commercial Property Claims Adjuster
SEDGWICK CLAIMS MANAGEMENT SERVICES (THE CHUBB INSURANCE)
07.2024 - 11.2024
Executive General Adjuster
DYNAMIC CLAIMS ADMINISTRATIVE SERVICES, LLC
01.2024 - 03.2025
Commercial Property Claims Adjuster
SEDGWICK CLAIMS MANAGEMENT SERVICES (THE CHUBB INSURANCE)
05.2023 - 12.2023
Complex Property Claims Adjuster
RYZE CLAIMS
02.2023 - 05.2023
Senior Property Claims Adjuster
GLOBAL RISK SOLUTIONS (AMERICAN TRADITIONS INSURANCE)
10.2022 - 01.2023
Senior Property Claims Adjuster
EBERLS CLAIMS SERVICE
03.2022 - 05.2022
Commercial Property Claims Adjuster
ALLIED UNIVERSAL COMPLIANCE & INVESTIGATIONS
06.2021 - 10.2022
Senior Property Claims Adjuster
SEIBELS (HOMEOWNERS OF AMERICAN INSURANCE)
02.2021 - 05.2021
Senior Property Claims Adjuster
ALACRITY SOLUTIONS GROUP, LLC
08.2020 - 02.2021
Property Appraisal Examiner
CALIBRATED INSURANCE SERVICES, LLC
05.2019 - 07.2020
Senior Desk Examiner
ALTERNATIVE CLAIMS SERVICES
10.2018 - 05.2019
Senior QA File Reviewer
AmerAdjust – UPC
09.2018 - 11.2018
Senior Property CAT Desk Adjuster
Field Pros Direct- American Strategic Insurance
06.2018 - 09.2018
Senior Supplement/Litigation Adjuster
Network of Independent Claim Adjusters – Tower Hil
03.2018 - 06.2018
Senior CAT File Reviewer
Administration Strategies – FEMA
11.2017 - 03.2018
Senior Inside Property Adjuster
Pacesetter Claims - Security First Insurance
11.2017 - 01.2018
Senior CAT File Reviewer
National Claims Adjusters – People Trust Insurance
08.2017 - 11.2017
Senior CAT Property Desk Adjuster - Remote
Professional Staffing Services – UPC
07.2017 - 11.2017
Senior Property Claims Desk Adjuster - Remote
Professional Staffing Services – AAA
02.2017 - 07.2017
Senior Total Loss Auto Adjuster
Worley Claims Service- Safeco Auto Insurance
06.2016 - 08.2016
Senior Total Loss Auto Adjuster
Wardlaw Claims Service- State Farm Auto Insurance
08.2015 - 10.2015
Senior File Reviewer
NCA GROUP – Liberty Mutual Insurance
05.2015 - 06.2016
Senior Property Claims Desk Adjuster
NCA Group -Liberty Mutual Insurance
04.2015 - 08.2015
Auto Claims Adjuster
Crawford & Company - State Farm Auto Insurance
02.2014 - 04.2015
Large Loss Property Adjuster (Coor Unit)
Pilot Catastrophe Services - Allstate Insurance
01.2009 - 02.2014
Bachelor of Science - Biochemistry
University of South Alabama
MBA - Healthcare Administration
George Washington University
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