India Lowry
Stone Mountain
Summary
Results-driven insurance professional with comprehensive experience in handling property claims. Exceptional ability to assess, investigate, and settle claims efficiently while maintaining high standards. Strong team player, known for adaptability and reliability under changing conditions. Skilled in communication, negotiation, and conflict resolution, with focus on delivering optimal outcomes.
Overview
6
6
years of professional experience
Work History
Licensed Property Adjuster
AllState
08.2024 - 10.2025
- Provided customer-focused property claim support by interpreting coverage, explaining damage outcomes, and delivering timely virtual settlements.
- Generated daily damage estimates using Xactimate to assess roof, structural, interior, and vehicle-related property impacts with accuracy and compliance.
- Evaluated loss severity through virtual inspections, photos, and contractor documentation to determine coverage eligibility and scope of damages.
- Negotiated and agreed on estimate values with 3rd-party vendors and contractors by reviewing scope accuracy, labor costs, supplements, and state requirements.
- Worked directly with external partners including vendors, contractors, and mitigation teams to establish agreed-upon repair estimates and settlement amounts.
- Maintained a 10-day average claim close rate while managing moderately complex losses involving dwelling impact, personal property exposure, and exterior damage.
- Managed full claim-handling cycle including coverage verification, loss investigation, damage appraisal, estimate generation, negotiation, settlement, and final disbursement.
- Coordinated and collaborated with independent estimating and inspection partners such as Seek Now and contractor networks.
- Verified contractor scope details, validated estimate accuracy, and approved supplements to align repair totals with confirmed damage findings.
- Communicated professionally with 3rd-party organizations and restoration contractors to resolve disputes, reach agreements, and authorize estimate approvals.
- Documented claim files thoroughly with supporting evidence including inspection reports, damage photos, supplements, contractor bids, and agreed estimates.
- Balanced customer service and financial accuracy by ensuring settlement payouts aligned with verified coverage, vendor agreements, and approved repair scope.
- Reduced cycle time by sustaining consistent follow-up cadence with customers and contractors, resulting in high on-time closures and efficient settlements.
- Demonstrated strong policy comprehension across casualty property losses including understanding exclusions, endorsements, coverage limits, and repair obligations.
Auto Total Loss Adjuster
Liberty Mutual
07.2022 - 03.2023
- Delivered customer-driven total loss claim resolutions by guiding insureds and claimants through valuation, settlement options, and payment timelines with empathy and transparency.
- Estimated damaged vehicles virtually using digital images, video inspections, and remote appraisal tools to determine total loss eligibility and calculate settlement values.
- Created and issued virtual settlement estimates, incorporating vehicle condition, state regulations, pre-existing damage, market comparisons, and applicable coverages.
- Managed moderately complex total loss claims involving liability decisions, coverage analysis, lien-holder negotiations, owner retention, and injury-related exposures.
- Interpreted and applied auto casualty policies, state-specific endorsements, and coverage limits while ensuring financial and regulatory compliance.
- Communicated directly with finance companies, lenders, and lien-holders to verify payoff balances, confirm authorized payment amounts, and secure proper settlement release documentation.
- Spoke with auto finance organizations such as Ally Financial, Wells Fargo Auto, and Toyota Financial Services to confirm amounts owed and process total loss payments.
- Contacted insurance carriers including GEICO and USAA when handling 1st and 3rd-party total loss settlement coordination.
- Verified and issued payments directly to finance companies after confirming payoff amounts, ensuring accurate disbursement for total loss claims settlements.
- Managed the total loss claim cycle including FNOL review, coverage verification, damage appraisal, liability determination, valuation analysis, negotiation, settlement issuance, and salvage transfer.
- Educated customers on collision coverage, market-based vehicle valuations, GAP applicability, and settlement outcomes to support informed and timely total loss decisions.
- Documented claim files thoroughly using police reports, recorded statements, virtual inspection data, payoff confirmations, valuation reports, and final settlement agreements.
- Referred applicable claims for salvage handling, subrogation review, title transfer, and payoff disbursements in accordance with carrier and territory standards.
- Maintained consistent communication with insureds, claimants, and financial partners while meeting strict service-level, compliance, and settlement accuracy requirements.
Auto Claims Adjuster
Perogressive Insurance
02.2020 - 07.2022
- Delivered customer-driven claim solutions through clear communication, education on coverage, and timely resolution, maintaining high satisfaction across 1st and 3rd-party auto claims.
- Managed multi-line casualty auto claims (bodily injury, property damage, medical payments, uninsured/underinsured motorist) across operating territories including GA, FL, TX and additional regions serviced by national carriers.
- Investigated, evaluated, and negotiated moderately complex auto claims involving liability disputes, injury exposure, comparative negligence, and coverage applicability.
- Interpreted and applied auto insurance policies, endorsements, and state-specific casualty guidelines from carriers such as Allstate, Progressive, and State Farm.
- Conducted first-notice-of-loss intake, coverage verification, liability assessment, damage evaluation, settlement, and payment issuance while meeting strict compliance and service standards.
- Utilized estimating platforms including CCC ONE and Audatex to generate accurate vehicle damage assessments and repair costs.
- Led comprehensive claim investigations by reviewing police reports, injury documentation, photos, recorded statements, and valid policy coverage to determine fault and exposure.
- Demonstrated full claim-handling cycle expertise including mitigation, investigation, evaluation, determination, negotiation, settlement, and subrogation referral.
- Educated insureds and claimants on coverage limits, endorsements, liability outcomes, and repair processes to support informed, transparent claim decisions.
- Ensured regulatory adherence by applying jurisdictional auto liability standards across territories including Georgia, Florida, Texas and others.
- Analyzed casualty auto coverages including collision, comprehensive, rental reimbursement, medical payments, BI/PD liability, UM/UIM, and applicable state endorsements.
- Maintained strong understanding of policy language, exclusions, endorsements, and duty-to-indemnify requirements related to casualty auto claims handling.
Education
Bachelor of Arts -
South Carolina State University
Orangeburg, SCSkills
- Claims processing
- Policy interpretation
- Damage assessment
- Estimating repair costs
- Policy investigations
- Xactimate
- Property & material management
Timeline
Licensed Property Adjuster
AllState
08.2024 - 10.2025
Auto Total Loss Adjuster
Liberty Mutual
07.2022 - 03.2023
Auto Claims Adjuster
Perogressive Insurance
02.2020 - 07.2022
Bachelor of Arts -
South Carolina State University