Vickie Miles
Ebert Claims Service | State Farm Property Claims
Dallas,Texas
1
Certification
42
years of professional experience
Accomplished Catastrophe Desk Adjuster and Loss Mitigation Specialist with extensive experience in navigating high-stakes property claims and catastrophe response. Managed high-volume CAT deployments for property claims, including remote desk operations for recent hurricanes, while employing advanced estimating systems to ensure precise evaluations of structural and material damages. Delivered accurate assessments and fair claim settlements through strong negotiation skills and thorough documentation.
Work History
Independent Property Adjuster
8 Years 4 Months- Conducted thorough inspections of property damage to assess claims accurately.
- Investigated, reviewed, and finalized residential property damage claims, ensuring accurate line-item pricing and adherence to carrier-specific structural guidelines.
- Prepared detailed estimates and reports to support claim resolutions effectively.
- Evaluated loss reports and documentation for compliance with policy guidelines.
- Analyzed complex claims and identified potential fraud indicators.
- Managed a high volume of claims, effectively prioritizing tasks to meet deadlines and maintain customer satisfaction.
- Collaborated with clients to gather necessary information for claim processing.
- Collaborated with other adjusters on complex claims, sharing expertise to ensure the most accurate evaluations possible.
Independent Auto Adjuster
2 Months- Managed automobile physical damage claims processing using CCC One and State Farm ECS, ensuring accurate liability assessments and parts configuration verification.
- Evaluated auto claims to determine liability and coverage based on policy terms.
- Conducted thorough inspections of damaged vehicles to assess repair costs and necessary services.
- Facilitated collaboration with repair facilities to secure precise estimates and expedite claim resolutions.
- Communicated effectively with clients, providing updates on claim statuses and resolution processes.
- Documented findings and maintained detailed records in claims management systems for compliance purposes.
Independent Auto Adjuster
1 Month- Handled virtual reviews, parts tracking, and settlement negotiations for first and third-party auto claims leveraging Mitchell Estimating and Audatex platforms.
- Evaluated auto claims to determine liability and coverage based on policy terms.
- Conducted thorough inspections of damaged vehicles to assess repair costs and necessary services.
- Successfully negotiated settlements with claimants and insurers.
- Processed insurance payouts for claimants following claim verification.
- Prepared detailed reports, documenting all aspects of the claim process for future reference or potential litigation purposes.
- Adhered strictly to company policies and guidelines, as well as state and federal regulations, ensuring compliance in all aspects of claims handling.
- Enhanced customer satisfaction by providing prompt, courteous, and knowledgeable service throughout the claim process.
Catastrophe Desk Adjuster
5 Months- Deployed remotely for Hurricanes Milton and Helene, managed high-volume pipeline of first-party residential property claims, ensuring timely processing and customer satisfaction.
- System Proficiency: Utilized Guidewire ClaimCenter for end-to-end claims lifecycle management, file documentation, reserve management, and final payment issuance.
- Virtual Estimating: Leveraged Xactimate X1 to review and audit structural repair estimates against field adjuster data and member-submitted documentation.
- Determined coverage and applied deductibles for complex property claims, adhering to strict Florida-mandated statutory timelines and Citizens’ Best Business Practices (BBPs) to maintain compliance.
- Adjusted property and auto claims for clients as an independent contractor, delivering accurate assessments and swift resolutions.
- Self-Employed / IA Firm Partnerships | Dallas, TX | April 2016 – Present
Single Point of Contact
- Managed delinquent borrower accounts, identified complex financial patterns, and advised on loss mitigation strategies in compliance with federal housing regulations.
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
Initial Loss Reporter
- Utilized State Farm ECS (Enterprise Claims System) for efficient first notice of loss (FNOL) claim initiation, ensuring timely policy verification and precise internal routing.
- Conducted in-depth interviews to gather newsworthy information and insights.
- Investigated local issues, providing timely and accurate reporting for community awareness.
- Developed engaging content for multiple platforms, enhancing audience reach and engagement.
Loss Mitigation Specialist III (100% Remote)
6 Years 9 Months- Remote Infrastructure: Successfully managed a comprehensive portfolio of delinquent borrowers entirely from a remote home office for a 9-year tenure, demonstrating high autonomy, strict data security adherence, and self-motivation.
- Regulatory Oversight: Maintained active NMLS licensure to facilitate high-value mortgage loan modifications in full compliance with RESPA and TILA guidelines.
- Financial Analysis: Analyzed financial data for delinquent portfolios to recommend workouts, restructures, and implement long-term loss-reduction solutions.
- Stakeholder Relations: Served as the primary point of contact for borrowers seeking complex financial assistance, ensuring timely communication and complete regulatory tracking.
- Prevented unnecessary foreclosures by effectively communicating available options to borrowers and guiding them through the loss mitigation process.
- Conducted comprehensive loan reviews, identifying opportunities for modifications and alternative repayment plans.
- Managed a high-volume caseload of at-risk borrowers, successfully negotiating mutually beneficial repayment solutions.
- Reviewed mortgage documentation to ensure compliance with regulations and company policies.
- Streamlined the loss mitigation application process for clients, resulting in increased efficiency and better outcomes for both borrowers and lenders.
Auto Loan Processor
3 Years 6 Months- Processed loan applications, evaluated credit risk reports, and structured loan terms to align with corporate policies and financial guidelines, facilitating informed lending decisions.
- Processed loan applications efficiently, ensuring compliance with company policies and regulations to maintain operational integrity.
- Reviewed and verified financial documents to accurately assess borrower eligibility and creditworthiness, contributing to sound lending practices.
- Collaborated with underwriting teams to expedite loan approvals and resolve discrepancies.
- Implemented process improvements that enhanced turnaround times for loan processing operations.
Operations Manager
3 Years- Led personnel management and operational oversight for high-volume telecommunications customer care and service delivery teams, ensuring effective service delivery and team performance.
- Additional Corporate & Leadership History
- To maintain resume focus on active claims tenure, full details for earlier positions are condensed below:
Advisory Customer Support Representative & Consultant
12 Years- Delivered 12 years of service to major global corporation, including 10 years with IBM (1983–1993) and 2 years as external consultant (1993–1995). Managed high-priority corporate and government accounts, ensuring billing accuracy and overseeing inventory management and technical infrastructure support.
- Delivered exceptional customer service, resolving inquiries and issues efficiently.
- Utilized CRM systems to track interactions and ensure accurate follow-up on support tickets.
- Trained new team members on customer service protocols and best practices for effective communication.
Education
No Degree - Real Estate
High School Diploma
Skills
Catastrophe adjusting
Auto claims adjusting
Loss mitigation
Claims management systems
Guidewire ClaimCenter
Xactimate systems
Auto Claims Systems: CCC ONE
Mitchell Estimating
Audatex
Florida insurance regulations
Data productivity
Remote work infrastructure
Portfolio management
Corporate leadership
Mortgage systems
Certification
- Texas All-Lines Insurance Adjuster License (Active & In Good Standing)
- NMLS Licensed (History of Federal & State Mortgage Licensing)
- State Farm Property and Auto Certifications
- Tower Hill Insurance Certification
- National Flood Insurance Program (NFIP) Certification
Timeline
Catastrophe Desk Adjuster
Ebert Claims Service | Citizens Property Insurance Corp.
09.2024 - 02.2025Read More
Independent Auto Adjuster
Renfroe Claims Service | State Farm Auto Claims
04.2017 - 06.2017Read More
Independent Property Adjuster
Ebert Claims Service | State Farm Property Claims
10.2016 - 02.2025Read More
Independent Auto Adjuster
Pilot Claim Services | Allstate Auto Claims
04.2016 - 05.2016Read More
Single Point of Contact
Caliber Home Loans
01.2016 - 01.2016Read More
Initial Loss Reporter
Pilot CMS / State Farm
01.2016 - 01.2016Read More
Loss Mitigation Specialist III (100% Remote)
Citi Mortgage
10.2008 - 07.2015Read More
Auto Loan Processor
Citi Financial Auto
04.2005 - 10.2008Read More
Operations Manager
Mobile Comm / PageNet
01.1997 - 01.2000Read More
Advisory Customer Support Representative & Consultant
IBM Corporation
01.1983 - 01.1995Read More
Waxahachie High School
High School Diploma
Read More
Cedar Valley College
No Degree from Real Estate
Read More