Amanda Carter

Highly experienced Property Claims Adjuster with 20+ years of comprehensive desk and field adjusting expertise across CAT and daily claims operations. Proven track record handling 30,000+ residential claims, 4,000+ commercial claims, and losses up to $1M+. Proficient in Xactimate, Xactanalysis, Guidewire, and multiple estimating platforms.

Licensed in 20+ states with deep expertise in coverage analysis, policy interpretation, supplement review, and fraud detection. Known for precise documentation, effective contractor/PA negotiations, and delivering consistent, defensible settlements.

Property Claims Adjuster – Desk Estimator (Insurance Carrier Liaison) at True Fore Roofing & Restoration (2025-05 – 2026-04)

• Wrote detailed Xactimate estimates for high-value interior water and roof claims on homeowner and commercial properties
• Coordinated directly with insurance carriers to negotiate and resolve complex claims
• Managed supplement requests and ensured accurate, market-rate pricing on all estimates

Property Claims Adjuster – CAT & Daily Homeowners at Slide Insurance (2023-10 – 2025-04)

• Handled CAT and daily homeowner and condominium desk claims from first contact through resolution
• Conducted coverage analysis, completed cause/origin investigations, and issued reservation of rights and denial letters
• Reviewed field adjuster reports and estimates, approving or requesting revisions as appropriate

Property Claims Adjuster – Desk Estimator (Insurance Carrier Liaison) at True Force Roofing & Restoration (2018-09 – 2023-09)

• Produced Xactimate estimates for high-value residential and commercial water and roof damage claims over a 5-year tenure
• Partnered with insurance carriers throughout the claims negotiation and settlement process

Property & Liability Claims Adjuster – Daily Desk at MetLife Insurance (2018-03 – 2018-08)

Managed daily property and casualty claims desk including coverage analysis, scoping, estimating, and payment processing

CAT Homeowners Claims Examiner at Federated National Insurance Company (2017-08 – 2017-10)

Reviewed and examined CAT homeowner claims files, ensuring accuracy and compliance with policy terms

Auto, Property & liability Desk Adjuster at RSA Insurance Canada (2016-07 – 2016-12)

Handled fire, water, hail, and wind CAT property & liability claims as well as auto claims via desk adjusting for Canadian market

Auto & Liability Claims Adjuster at TD Insurance Canada (2016-05 – 2016-07)

Processed auto claims including coverage verification, damage assessment, and settlement

Daily Auto & Liability Claims Adjuster at State Farm (2014-07 – 2016-04)

• Managed a high-volume daily auto & liability claims desk, handling end-to-end claims from first notice of loss through settlement
• Maintained strong customer satisfaction scores through clear communication and timely resolution

Lenders Placed & Liabilities Claims Desk Adjuster at QBE Insurance Corporation (2012-10 – 2013-07)

Adjusted lender-placed CAT homeowner claims & liability via desk, applying policy language to coverage determinations

CAT Homeowners Desk Adjuster at American Family Insurance (2011-04 – 2012-01)

Desk-adjusted CAT homeowner claims across multiple deployment periods, handling high volumes during active storm seasons

CAT Homeowners Desk Adjuster at American Family Insurance (2012-07 – 2012-10)

Desk-adjusted CAT homeowner claims across multiple deployment periods, handling high volumes during active storm seasons

Homeowners & Liability Desk Adjuster at Liberty Mutual Agency Markets (2009-06 – 2010-07)

Processed CAT homeowner desk claims from assignment through closure including coverage analysis, estimating, and payment

CAT Lenders Placed Claims Desk Adjuster at Balboa Insurance Group (2008-10 – 2009-04)

Adjusted lender-placed CAT claims on a desk basis, ensuring proper documentation and timely resolution

CAT Homeowners File Review Adjuster at Safeco Insurance (2008-09 – 2008-10)

Reviewed CAT homeowner claim files for accuracy, completeness, and compliance

CAT Homeowners Desk Adjuster / Auditor at Citizens Property Insurance – Florida (2005-10 – 2006-07)

Managed desk adjusting, file review, and auditing of CAT homeowner, mobile home, and small commercial claims

CAT Homeowners Field Adjuster at State Farm (2005-08 – 2005-10)

Conducted field inspections, scoped damages, photographed losses, and wrote estimates for CAT homeowner claims

Field Adjuster (Under Licensed Supervision) (2004-07 – 2005-08)

Completed hands-on field adjusting training, assisting with inspections, scoping, and documentation on homeowner claims

Bachelor of Science in Accounting – Liberty University (2008-05)