Tammy Pierce
Senior Claims Professional: Complex Claims Investigation, Evaluation & Resolution
Dallas,Texas
Summary
Claims professional managing 100 complex claims files per month across property and auto files with coverage review, negotiation, and resolution support using Guidewire. Handles policy analysis, settlement discussions, and detailed file documentation while keeping communication clear for insureds, attorneys, vendors, and agents. Well aligned with Senior Claims Adjuster work that depends on judgment, regulatory awareness, and calm handling of high-pressure claims.
Overview
20
20
years of professional experience
Work History
Logistics Specialist
VEHO Enterprises
01.2025 - Current
- Manage 100% route adherence while balancing pickup timing, delivery execution, and proof-of-delivery requirements.
- Coordinate 45-80 pickups daily to keep delivery operations moving on schedule.
- Operate as an independent delivery contractor handling end-to-end delivery tasks for VEHO Enterprises.
- Plan efficient routes and coordinate pickups to support timely, reliable delivery execution.
- Follow delivery protocols for scanning, documentation, and proof-of-delivery to maintain shipment accuracy.
Senior Claims Adjuster (Carrier: VYRD Insurance Company – Complex Team)
FKS Insurance Services
01.2024 - 01.2025
- Delivered 100% of claim status updates through clear communication with policyholders, agents, and other involved parties.
- Reviewed 80-120 complex claim files weekly to determine coverage, liability, and damages for VYRD Insurance claims.
- Explained coverage decisions clearly to insureds, contractors, vendors, public adjusters, and attorneys throughout the claim process.
- Negotiated fair settlements using detailed research and industry knowledge to resolve claims efficiently while managing costs.
- Maintained positive relationships and trust by communicating claim progress and resolution updates with policyholders and agents.
- Coordinated claim documentation in Guidewire and Claims Colony while supporting investigation and file organization.
- Applied policy interpretation to clarify findings and support consistent claim handling across complex files.
Senior Claims Adjuster (Carrier: Kin Interinsurance Network – Complex Team)
Brush Country Claims
01.2023 - 12.2023
- Resolved 80 property claims per week while balancing accuracy, timeliness, and policy compliance.
- Investigated property and casualty claims, applying policy terms and company standards to support fair determinations.
- Evaluated losses and settled files with a focus on accuracy, timeliness, and consistent claim handling.
- Represented the carrier in mediation hearings, negotiating fair resolutions and reducing litigation exposure.
- Conducted peer reviews of emergency mitigation services to confirm adherence to best practices and industry standards.
- Reviewed mitigation work against company guidelines, strengthening file quality and consistency across complex claims.
Senior Claims Adjuster (Carrier: UPC Insurance)
Colonial Claims, LLC
09.2022 - 12.2022
- Processed 75-80 residential hurricane claims weekly from first notice through final resolution.
- Coordinated documentation, coverage checks, and settlement follow-up to keep residential storm claims moving.
- Used Guidewire and Claims Colony to track claim status, updates, and required documentation.
- Supported policy interpretation, recorded statement taking, Xactimate estimating, and claim investigation on complex property losses.
Complex Claims Adjuster (Carrier: TypTap Insurance Company)
Griston Claim Services, Inc.
04.2022 - 09.2022
- Reviewed 60 complex claims weekly in Guidewire and Claims Colony, balancing public adjuster and attorney involvement.
- Conducted claims investigation and coverage analysis for represented files, documenting findings in Legal Tracker and Legal X.
- Coordinated with public adjusters, attorneys, and representation teams to resolve policy interpretation disputes and move files forward.
- Drafted reservation of rights letters and supported settlement negotiation on complex claims while maintaining policy and legal compliance.
Auto Adjuster (Carrier: ECTA – State Farm Insurance)
Crawford
01.2022 - 01.2022
- Managed 15 total loss claims daily from initial review through settlement, maintaining accurate and timely resolution.
- Evaluated total loss claims from first notice through settlement, coordinating each step of the claim lifecycle.
- Aggregated vehicle data from multiple sources to determine fair market value and extend supported policyholder offers.
- Coordinated paperwork completion and document transfers between insureds, lienholders, agents, and salvage yards.
- Streamlined claim processing by keeping transfers organized and aligned with company protocols and compliance requirements.
- Tracked claim status and documentation in Guidewire and Claims Colony to support consistent case management.
Auto Adjuster (Carrier: PURE Insurance – Complex Team)
PSS Claims Services
02.2021 - 12.2021
- Process 40 catastrophe claims per week while balancing freeze, wind, and flood losses for residential policyholders.
- Evaluate residential catastrophe losses from freeze, wind, and flood damage, translating field findings into timely claim decisions.
- Handle total loss assessments and auto subrogation cases with careful documentation and settlement support.
- Review outside adjuster reports and use them to support coverage determinations and efficient claim resolution.
- Manage supplements for high-value homes and large loss claims, maintaining complete documentation throughout the file.
- Apply Guidewire and Claims Colony to track complex claims activity and keep records organized across active files.
Senior Claims Adjuster (Carrier: Heritage Insurance)
FKS Insurance Services
09.2020 - 01.2021
- Manage 50 complex claims weekly from intake through close, including matters with public adjuster and attorney representation.
- Coordinate daily claim progression with public adjusters, attorneys, and internal teams to keep complex files moving through resolution.
- Document coverage decisions and claim activity in Guidewire, Legal Tracker, and Legal X to support accurate litigation file management.
- Apply policy interpretation and coverage analysis to evaluate losses, draft reservation of rights letters, and support settlement negotiation.
Catastrophe Adjuster (Carrier: American Claims Management)
Best IRS
07.2020 - 09.2020
- Processed 90 hurricane claims per week while maintaining timely file movement from intake to settlement.
- Adjusted residential hurricane claims by aligning estimates with actual damages and policy terms.
- Explained coverage decisions and settlement outcomes clearly to insured parties throughout the claims process.
- Maintained accurate claim files and steady progress across high-pressure hurricane assignments.
Virtual Property Adjuster (Carrier: Allstate)
Pilot Catastrophe
05.2020 - 07.2020
- Managed remote property inspections by directing virtual assistants to capture damage photos and scope losses accurately.
- Prepared detailed estimates from photographs and settled catastrophe claims within 72-hour timeframe.
- Reviewed drone imagery and EagleView reports to produce precise residential roof estimates.
- Managed supplements for homeowners and mobile home claims while aligning adjustments with policy coverage.
- Supported settlement negotiation and coverage review for Allstate catastrophe claims using Guidewire and Claims Colony.
- Applied Symbility and Xactimate estimating workflows to document property damage and support fair claim resolution.
Pre-Litigation Adjuster (Carrier: ASI/Progressive Home)
FKS Insurance Services
09.2019 - 03.2020
- Resolved 40 civil remedy notices through alternative dispute resolution to limit legal exposure and reach fair outcomes.
- Managed contractor-assigned benefit claims through changing legislation and complex coverage conditions.
- Evaluated expert and engineer involvement to support accurate claim assessments and defensible outcomes.
- Interpreted policy language and regulatory guidelines to keep claim handling compliant throughout negotiations.
- Prepared litigation file documentation and maintained organized records for attorney and public adjuster communication.
- Supported settlement strategy with mediation support and reservation of rights letters when claim disputes required escalation.
Senior Property Adjuster (Carrier: CSAA)
Renfroe/CIS/PSS
08.2017 - 05.2019
- Evaluated property losses using policy language, loss details, and supporting documentation for carrier review.
- Prepared detailed estimates for roof, exterior, and interior damage based on field inspections and photos.
- Reviewed claim files for consistency, completeness, and alignment with carrier guidelines before final submission.
- Coordinated with policyholders, contractors, and internal reviewers to move claims through the adjustment process.
- Documented damage findings and reserve recommendations in claim systems for timely carrier updates.
- Communicated claim status and next steps clearly to policyholders throughout the adjustment cycle.
- Interpreted repair estimates, invoices, and adjuster notes to support claim evaluation and settlement decisions.
- Maintained organized records for inspections, correspondence, and claim outcomes to support audit readiness.
- Applied policy interpretation to distinguish covered damage from pre-existing conditions during claim review.
- Supported litigation files by organizing notes, correspondence, and claim documentation for counsel review.
- Compared aerial image review with field observations to verify storm damage and estimate scope.
Auto Liability Staff Adjuster
AMWINS
09.2016 - 03.2017
- Reviewed liability facts and policy details to support consistent claim decisions and accurate reserve recommendations.
- Managed claim files from assignment through closure while documenting correspondence, notes, and next steps.
- Communicated with insureds, claimants, and vendors to gather facts and maintain professional claim updates.
- Evaluated coverage positions and exposure details to support settlement recommendations and claim resolution strategy.
- Negotiated claim settlements within authority levels while balancing policy provisions and liability considerations.
- Tracked claim status updates and follow-up tasks to keep files moving toward timely resolution.
- Prepared detailed claim summaries for internal review and escalation when additional guidance was needed.
- Analyzed statements, repair details, and supporting documents to validate claim facts and liability positions.
Litigation Adjuster (Carrier: Young America Insurance)
Best IRS
09.2015 - 09.2016
- Reviewed coverage details and claim facts to support litigation decisions and file direction.
- Prepared reservation of rights letters and related correspondence based on claim findings.
- Documented investigation results, witness statements, and file notes for ongoing litigation matters.
- Tracked attorney communications and deadlines to keep active files moving through resolution.
Bodily Injury Adjuster (Carrier: Young America Insurance)
Best IRS
06.2015 - 09.2015
- Investigated bodily injury claims by reviewing statements, medical records, and policy details to support coverage decisions.
- Evaluated liability factors and injury documentation to recommend appropriate claim handling actions.
- Communicated with claimants, attorneys, and internal partners to gather information and advance case resolution.
- Prepared reservation of rights correspondence when coverage questions required formal notice and documentation.
- Coordinated with legal teams on escalated files requiring additional review and documentation support.
Staff Adjuster
GEICO Insurance
09.2006 - 03.2011
- Evaluated property damage and coverage details to support accurate claim decisions.
- Documented claim activity thoroughly to maintain clear and compliant file records.
- Communicated with policyholders to gather details, explain next steps, and keep claims moving forward.
- Reviewed loss information and supporting documents to identify needed claim adjustments.
- Assessed repair estimates and loss details to confirm alignment with reported damage.
- Tracked follow-up tasks to keep files progressing on schedule.
Education
Bachelor of Science - Criminal Justice
University of North Texas
Denton, TXSkills
- All-Lines – Texas Home State License Number 1354623
- AL, AZ, CT, FL (6-20 Adjuster – All Lines), GA, HI, IN, KY, LA, MN, MT, OK, OR, RI, SC, TX, UT, WA, WV
- Public adjuster negotiation
- Catastrophe deployment
- Large loss handling
- Mediation support
- Policy interpretation
- Litigation file management
- Reservation of rights letters
- Recorded statement taking
- Aerial image review
- Xactimate estimating
- Catastrophe claims handling
- Settlement negotiation
- Claims investigation
- Coverage analysis
- Property damage evaluation
- Symbility
- Guidewire
- Claims Colony
- Legal Tracker
- Legal X
Timeline
Logistics Specialist
VEHO Enterprises
01.2025 - Current
Senior Claims Adjuster (Carrier: VYRD Insurance Company – Complex Team)
FKS Insurance Services
01.2024 - 01.2025
Senior Claims Adjuster (Carrier: Kin Interinsurance Network – Complex Team)
Brush Country Claims
01.2023 - 12.2023
Senior Claims Adjuster (Carrier: UPC Insurance)
Colonial Claims, LLC
09.2022 - 12.2022
Complex Claims Adjuster (Carrier: TypTap Insurance Company)
Griston Claim Services, Inc.
04.2022 - 09.2022
Auto Adjuster (Carrier: ECTA – State Farm Insurance)
Crawford
01.2022 - 01.2022
Auto Adjuster (Carrier: PURE Insurance – Complex Team)
PSS Claims Services
02.2021 - 12.2021
Senior Claims Adjuster (Carrier: Heritage Insurance)
FKS Insurance Services
09.2020 - 01.2021
Catastrophe Adjuster (Carrier: American Claims Management)
Best IRS
07.2020 - 09.2020
Virtual Property Adjuster (Carrier: Allstate)
Pilot Catastrophe
05.2020 - 07.2020
Pre-Litigation Adjuster (Carrier: ASI/Progressive Home)
FKS Insurance Services
09.2019 - 03.2020
Senior Property Adjuster (Carrier: CSAA)
Renfroe/CIS/PSS
08.2017 - 05.2019
Auto Liability Staff Adjuster
AMWINS
09.2016 - 03.2017
Litigation Adjuster (Carrier: Young America Insurance)
Best IRS
09.2015 - 09.2016
Bodily Injury Adjuster (Carrier: Young America Insurance)
Best IRS
06.2015 - 09.2015
Staff Adjuster
GEICO Insurance
09.2006 - 03.2011
Bachelor of Science - Criminal Justice
University of North Texas