Insurance Industry
Lytareranne Brooks
Fort Worth,TX
Summary
Self-motivated Insurance Claims Adjuster with extensive experience in reading, analyzing, investigating, evaluating, negotiating, and applying insurance policies, property, auto, and medical claims.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Commercial Liability Claims
Custard- Gallagher Bassett
12.2023 - 03.2024
- Engage with all parties to assess reported commercial auto, trucking & general liability claims
- Confirm coverage based on each individual policy in order to determine validity and coverage of stated claim
- Conduct interviewing of claimants and witnesses, gather all claims related information including police reports, recorded statements and review estimates/reports to assess sustained injuries
- Establish and maintain reserves and payments, present large loss reports and communicate with management, plus internal and external customers
- Initiate analysis of liability and damages, while documenting all related correspondence, reports, discussions and decisions
Cat Claims-Property Desk Adjuster
Eberl Claims-Bamboo Ins.
04.2023 - 12.2023
- Processed CAT Hurricane Hillary Claims H03, HO4 and Condo Claims
- Initiate first contact with the insured or insureds
- Investigate, assess damage to property and review property damage estimates
- Investigate, analyze and determine extent of insurance liability
- Negotiate settlement of claims varying complexity and peril, achieving prompt, fair and equitable settlement of claim
- Write partial and full denial letters
- Set reserves and settlements.
Cat Claims-Complex Desk Adjuster
Pilot Cat Inc.- Frontline Ins.
08.2022 - 04.2023
- Processed CAT Hurricane Ian Claims H03, HO4 and Condo Claims
- Contact insured to advise policy coverage and time frame of expectations claim process
- Receive and review completed work invoices or estimate from the insured or contractor for property damages
- Handled property complex claims involving wind and water including damage to dwelling and other structures
- Assigned engineers to determine wind or flood damages to the dwelling
- Worked on complex team to handle Public Adjusters and Attorney claims
- Collaborate, itemize, write, and adjust claims in Xactimate/Xact Analysis
- Assisted policyholders with itemization of damages and sworn proof of loss with recorded statement
- Negotiated with mitigation companies, preferred vendors on water mitigation, roofing, pack out, and build backs
- Compare estimates and revise if additional materials are needed or if something was missed on the original
- Write partial and full denial letters
- ALE (additional living expense)
- Pay and process claims with designated authority level $25,000
- Worked at least 400+ claims.
Auto Liability Desk Adjuster
Littleton Group/Progressive Ins.
07.2021 - 08.2022
- Auto Liability and Total Loss
- Investigate documentations such as police reports, photos, videos, and scene investigations
- Conduct recorded statements from the insured, claimants, and witnesses
- Determine liability and coverages to be afforded
- Respond timely to correspondences, including demands and letter of representation from an attorney
- Set up diaries instructed by insurance carrier
- Setup inspections for insured and claimants on their damaged vehicle for an estimate and repair shops
- Evaluate vehicle total loss and net settlement with insured or claimant
- Contact lienholder for a 10-day payoff balance or letter of guarantee
- Issue payments for the insured, claimants, and body shops designated within my authority level.
Auto Liability Adjuster
Pilot Cat Inc./State Farm-Remote
06.2021 - 07.2021
- Processed Auto Liability claims
- Investigate documentations such as police reports, photos, and videos
- Conduct recorded statements from the insured, claimants, and witnesses
- Determine liability and coverages
- Respond timely to correspondences, including demands and letter of representation from an attorney
- Set up diaries instructed by insurance carrier
- Setup inspections for insured and claimants on their damaged vehicle for an estimate
- Issue payments for the insured, claimants, and body shops designated within my authority level.
Property Desk Adjuster
Alacrity Solutions/Liberty Mutual
02.2021 - 06.2021
- Processed CAT H03 and Condo Claims
- Examined damages and confirmed coverage for residential claims for freeze and pipe burst
- Contact insured to advise policy coverage and time frame of expectations claim process
- Receive and review completed work invoices or estimate from the insured or contractor for property damage
- Handled property claims involving wind and water including damage to dwelling and other structures
- Reconciled estimates received from field adjusters and coordinated with contractors
- Assisted policyholders with itemization of damages
- Negotiated with mitigation companies and assisted with scope of work damages
- ALE (additional living expense)
- Pay and process claims with designated authority level $25,000.
Property Adjuster (Homeowners)
Pilot Cat Inc./Frontline Ins.-Fort Worth, TX
09.2020 - 12.2020
- Processed CAT H03 and Condo Claims
- Contact insured to advise policy coverage and time frame of expectations claim process
- Receive and review completed work invoices or estimate from the insured or contractor for property damages
- Handled property claims involving wind and water including damage to dwelling and other structures
- Reconciled estimates received from field adjusters and coordinated with contractors
- Assisted policyholders with itemization of damages
- Negotiated with mitigation companies and assisted with scope of work damages
- Receive and review completed work invoices or estimate from the insured or contractor for property damages
- Compare estimates and revise if additional materials are needed or if something was missed on the original estimate
- Pay and process claims with designated authority level $25,000.
Alacrity Solutions/AIG -Remote Desk adjuster
April 2020 to August 2020
04.2020 - 08.2020
- Processed Trip Cancellation claims via email
- Research and review file notes
- Prepare denial letter if coverage not afforded
- Request additional information from insured to complete processing of claim
- Pay and process claim with designated authority level.
Auto Adjuster (Total Loss)
Eberl Claims/State Farm-Irving, TX
10.2019 - 02.2020
- Processed Daily Auto Claims
- Research and review file notes
- Reviewed payments, updated TLST, reviewed estimate and Vehicle inspection report to determine if vehicle repairable or deemed as Total Loss
- Contacted Body Shops and negotiated on disputed charges
- Ensure accurate title processing based on state specific guidelines of branding title
- Provide letter of Guarantee to Insurance company
- Contact salvage vendors to request vehicle pickup and auction
- Contact finance company to get 10-day payoff and lien release if needed
- Pay and process claims with designated authority level.
Property Adjuster-Supplements
Worley/American Family
05.2019 - 10.2019
- Received and reviewed completed work invoices or estimates from the insured or contractor for property damages
- Contacted the insured to advise received estimate from contractor
- Release depreciation and issued payment
- Compared estimate received from the insured or contractor for additional supplement damaged and revised if additional materials are needed or updated estimate for damaged items that was missed on the original estimate need.
Auto Adjuster (Total Loss)
Eberl Claims/State Farm - Irving, TX
09.2018 - 04.2019
- Processed Daily Auto Claims
- Research and review file notes
- Reviewed payments, updated TLST, reviewed estimate and Vehicle inspection report to determine if vehicle repairable or deemed as Total Loss
- Contacted Body Shops and negotiated on disputed charges
- Ensure accurate title processing based on state specific guidelines of branding title
- Provide letter of Guarantee to Insurance company
- Contact salvage vendors to request vehicle pickup and auction
- Contact finance company to get 10-day payoff and lien release if needed
- Pay and process claims with designated authority level.
Property Adjuster
Pilot/Liberty Mutual - Fort Worth, TX
09.2018 - 10.2018
- Processed Daily Claims
- Investigated claims by conducting interviews and inspecting property damage to determine the related liabilities for each claim
- Handled property claims involving wind and water which included damage to dwelling and other structures
- Reconciled estimates received from field adjusters and coordinated with contractors
- Explained coverage and assisted policyholders with itemization of damages
- Negotiated with water mitigation companies and assisted with scope of work
- Authority limit $25,000.
Property Adjuster
Global Risk Solutions/Secured First - Sarasota, FL
09.2017 - 09.2018
- Processed 400+ Florida Claims
- Investigated and processed Hurricane Irma claims filed by policyholder
- Investigated claims by conducting interviews and inspecting property damage to determine the related liabilities for each claim
- Handled property claims involving wind and water including damage to dwelling and other structures
- Assigned engineers to determine wind or flood damages to the dwelling
- Collaborated, itemized, wrote, and adjusted claims in Xactimate/Xact Analysis
- Negotiated with mitigation companies, preferred vendors on water mitigation, roofing, pack out, and build backs
- Compared estimates and revised if additional materials are needed or if something was missed on the original
- Write partial and full denial letters
- ALE (additional living expense) and supplements
- Pay and process claims with designated authority level $25,000.
Property Claims Specialist/Staff
Allstate Insurance - Richardson, TX
01.2010 - 10.2013
- Took initial call from insured to gather the fact of loss Investigate and negotiation
- Reviewed photos from field adjuster and policy holder to determine cause of loss and extent of damage
- Negotiated settlements with insureds in accordance with policy provisions.
Education
Tarrant County District College
XactAnalysis/Xactimate
Skills
- Friendly, Positive Attitude
- Teamwork and Collaboration
- Customer Service
- Problem-Solving
- Time Management
- Attention to Detail
- Critical Thinking
- Excellent Communication
- Active Listening
- Decision-Making
- Problem Resolution
- Microsoft Word and Excel
Certification
- Adjuster License in: TX, AR, OK, LA, MS, FL, GA, SC, NC, IN, CT, MI, WV, AK, AZ, NM, OR, UT, KY, MN, DE, AL, ID, WA
- State Farm Property & Auto Certified
- USAA Certified
- NFIP
- TWIA
- Hippo Certified
- Symbility
- Mitchell
- Guidewire
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
Interests
Timeline
Commercial Liability Claims
Custard- Gallagher Bassett
12.2023 - 03.2024
Cat Claims-Property Desk Adjuster
Eberl Claims-Bamboo Ins.
04.2023 - 12.2023
Cat Claims-Complex Desk Adjuster
Pilot Cat Inc.- Frontline Ins.
08.2022 - 04.2023
Auto Liability Desk Adjuster
Littleton Group/Progressive Ins.
07.2021 - 08.2022
Auto Liability Adjuster
Pilot Cat Inc./State Farm-Remote
06.2021 - 07.2021
Property Desk Adjuster
Alacrity Solutions/Liberty Mutual
02.2021 - 06.2021
Property Adjuster (Homeowners)
Pilot Cat Inc./Frontline Ins.-Fort Worth, TX
09.2020 - 12.2020
Alacrity Solutions/AIG -Remote Desk adjuster
April 2020 to August 2020
04.2020 - 08.2020
Auto Adjuster (Total Loss)
Eberl Claims/State Farm-Irving, TX
10.2019 - 02.2020
Property Adjuster-Supplements
Worley/American Family
05.2019 - 10.2019
Auto Adjuster (Total Loss)
Eberl Claims/State Farm - Irving, TX
09.2018 - 04.2019
Property Adjuster
Pilot/Liberty Mutual - Fort Worth, TX
09.2018 - 10.2018
Property Adjuster
Global Risk Solutions/Secured First - Sarasota, FL
09.2017 - 09.2018
Property Claims Specialist/Staff
Allstate Insurance - Richardson, TX
01.2010 - 10.2013
Tarrant County District College
XactAnalysis/Xactimate
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