Melody Stepney
Ellenwood,GA
Summary
Licensed Field Property Adjuster with over five years of insurance experience across policy services, desk adjusting, and field property claims. Specialized in residential and water loss claims with expertise in on-site and virtual inspections, Xactimate and CoreLogic estimating, coverage investigation, and settlement negotiation. Recognized for empathetic customer service, accurate documentation, and efficient claim resolution. Licensed in all states.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Field Property Adjuster
Liberty Mutual Insurance
01.2024 - Current
- Conduct on-site residential property inspections including roof and interior assessments. Prepare accurate repair estimates using Xactimate in compliance with carrier guidelines. Investigate coverage, determine liability, negotiate settlements, and maintain detailed claim documentation.
Property Desk Adjuster
Assurant
01.2022 - 01.2024
- Managed high-volume residential property and water loss claims from first notice of loss through settlement. Prepared and reviewed estimates using Xactimate and CoreLogic. Interpreted policy language and coordinated with vendors and ladder assist services.
Claims Specialist
State Farm Insurance
01.2020 - 01.2022
- Investigated property claims, determined coverage, and resolved settlement issues. Provided consistent customer communication and ensured accurate claim documentation.
Policy Services Representative
USAA
01.2017 - 01.2019
- Supported members with policy inquiries, coverage explanations, and service updates while building a strong foundation in insurance principles and customer advocacy.
Education
Bachelor’s Degree - Accounting (Finance)
Colorado Technical University
Skills
- Field Property Claims
- Water Loss Claims
- Xactimate
- CoreLogic
- On-Site and Virtual Inspections
- Coverage Interpretation
- Claims Negotiation
- Customer Advocacy
- Ladder Assist Coordination (Hancock, Sedgwick)
- Documentation Accuracy
Certification
- Licensed Insurance Adjuster – All States
- Valid Driver’s License
Timeline
Field Property Adjuster
Liberty Mutual Insurance
01.2024 - Current
Property Desk Adjuster
Assurant
01.2022 - 01.2024
Claims Specialist
State Farm Insurance
01.2020 - 01.2022
Policy Services Representative
USAA
01.2017 - 01.2019
Bachelor’s Degree - Accounting (Finance)
Colorado Technical University