Summary

Overview

Work History

Education

Skills

Timeline

Santrelle Marion

Summary

Insurance Claims Professional with 7+ years of experience spanning residential property claims, catastrophe operations, field inspections, desk adjusting, coverage analysis, estimating, and claims lifecycle management. Experienced managing high-volume claim inventories from FNOL through resolution while collaborating with policyholders, contractors, restoration vendors, and cross-functional business teams. Skilled at identifying process inefficiencies, interpreting business requirements, analyzing claim workflows, and translating operational challenges into practical solutions.

Combines deep frontline claims expertise with a strong interest in claims operations, insurance technology, product development, process improvement, and program execution. Proven ability to evaluate complex claim data, support business initiatives, drive operational consistency, and contribute to customer-focused solutions that improve efficiency, compliance, and claim outcomes across the insurance industry.

Overview

years of professional experience

Work History

Senior Inside Property Adjuster

Eberl Claim Service

Jacksonville, Florida

02.2025 - Current

Managed 500+ residential property claims with $500K exposure, ensuring accurate assessments and timely processing.
Conducted coverage analysis and policy interpretation for complex property losses, facilitating informed claim decisions.
Negotiated claim settlements while balancing customer outcomes and financial controls.
Managed reserves, indemnity payments, and exposure throughout the claim lifecycle.
Issued coverage determinations and claim decisions in compliance with carrier guidelines.
Leveraged Xactimate, ClaimsX, and virtual inspection tools to evaluate damages.
Identified claim trends and potential fraud indicators requiring further investigation.
Collaborated with policyholders, contractors, vendors, and internal stakeholders to achieve prompt claim resolution.

Inside Indepndent Property Desk Adjuster

Alacrity Solutions and Allstate Claims Corp

02.2023 - 11.2025

Handled an average active inventory of 45–60 residential property claims weekly, driving rapid resolution from First Notice of Loss (FNOL) to final payment.
Saved an average of $1,200+ per file on contested line items by rigorously auditing contractor repair estimates, controlling claim leakage and financial exposure.
Achieved top-tier customer satisfaction survey scores by contacting policyholders within 2 hours of assignment and providing proactive weekly updates.
Ensured reserve accuracy across 100% of active files by routinely adjusting indemnity reserves within 24 hours of receiving new structural documentation or contractor supplements.
Coordinated emergency mitigation, cleaning, and restoration services across 100+ water and fire claims, reducing secondary damages and cutting overall claim duration by 20%.
Authored detailed statements of loss and coordinated Alternative Living Arrangements (ALA) for displaced policyholders within 24 hours of severe loss events.
Evaluated repair estimates and supporting documentation to ensure precise claim payments and optimal reserve management across multi-peril claims.

Senior Independent Auto Desk Adjuster

Sedgwick Claims Management and Alacrity Solutions

09.2021 - 01.2023

Handled an inventory of 30+ active first- and third-party auto claims concurrently, conducting thorough liability investigations by analyzing accident reports, scene photos, and recorded statements.
Determined legal liability and comparative negligence percentages by interpreting state traffic laws and policy contracts, driving fair and defensible liability decisions.
Navigated complex total loss workflows from valuation and lienholder payoff calculations to salvage handling and settlement negotiations with first- and third-party vehicle owners.
Managed rental vehicle placements and extensions for claimants, ensuring uninterrupted transportation during vehicle repairs while controlling daily rental costs.
Partnered with direct-repair program (DRP) network shops and independent collision centers to monitor repair progress, review estimates, and resolve parts delays, enhancing repair timelines.
Reviewed reserve adequacy, authorized payments up to designated authority levels, and audited final invoices to maintain compliance with financial and quality standards.

Independent CAT/Proximity Field Adjuster

Alacrity Solutions

07.2020 - 06.2022

Deployed as a mobile proximity and catastrophe (CAT) adjuster to disaster-affected territories, managing an active inspection schedule of up to 4-5 properties per day under high-volume operational demands.
Conducted 250+ comprehensive on-site residential property inspections across diverse geographic regions, evaluating interior, exterior, and complex structural damage following severe wind, hail, fire, water, and winter storm events.
Utilized advanced ladder and roof safety protocols to safely navigate high and steep-pitch roofing systems, performing granular damage assessments (shingle bruising, granule loss, wind uplift, and flashing failures).
Authored detailed, line-item structural estimates using Xactimate for complex scopes involving roofing, siding, drywall, flooring, and multi-system plumbing repairs.
Delivered empathetic, customer-focused service at policyholder's kitchen table, clarifying policy coverages, deductibles, and endorsements while managing expectations throughout inspection lifecycle.
Educated homeowners on emergency mitigation and structural drying procedures (utilizing air movers/dehumidifiers) to prevent secondary property damage and minimize claim severity.
Partnered directly with general contractors, independent engineers, and restoration vendors on-site to co-inspect damage, review repair scopes, and negotiate mutually agreeable settlements.
Captured high-resolution photographic and video evidence, moisture-meter readings, and precise dimensional sketches to create defensible, audit-ready inspection reports.

Property Adjuster Trainee

Plateau Casualty Insurance

01.2019 - 11.2019

Completed intensive claims training programs focused on property policy language, coverage verification, and introductory Xactimate estimating principles under senior mentorship.
Contacted policyholders and claimants within designated timeframes to gather facts of loss, explain claims process, and set expectations.
Shadowed senior adjusters and assisted in handling multiple entry-level catastrophe and property claims concurrently while learning to navigate strict service-level agreements (SLAs).
Reviewed wind, hail, and water damage documentation, assisting with file preparation and claim tracking.
Supported team in enforcing best practices, adopting customer-focused approach for handling minor property and theft losses.

Auto Property Damage Adjuster

Midsouth Mutual

09.2018 - 06.2019

Analyzed available information and evidence to form accurate liability decisions determining claim costs
Contacted insured/ claimant within 24 hours of initial contact
Recorded statements and set exposures, transferring files for total loss, bodily injuries, and subrogation.
Sent contact, denial, ROR letters, closing claims efficiently to sustain a 95% closing rate