Gabriel Elias
Ontario
Summary
Experienced Property Field Claims Adjuster with a strong background in residential and complex property claims, including homeowners, condo, and landlord policies. Proven ability to manage claims end-to-end, conduct thorough field investigations, and deliver clear, defensible coverage decisions. Skilled in estimating, vendor coordination, and handling moderate to high severity losses with efficiency and professionalism.
Overview
20
20
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work History
Property Field Adjuster Specialist
USAA Insurance
Ontario
04.2023 - Current
- Manage full claim lifecycle for residential property losses, including inspection, coverage analysis, estimating, and settlement
- Conduct on-site inspections for complex losses involving water damage, plumbing failures, and structural impacts
- Interpret and apply HO3 policy language, including exclusions (wear & tear, seepage, surface water) and endorsements
- Write detailed coverage determinations, including partial denials and full denials supported by documentation and reports
- Collaborate with vendors, contractors, and mitigation companies to ensure accurate scope and pricing
- Utilize Xactimate, Guidewire, Docusketch, and other platforms for estimating, documentation, and claim management
- Identify and pursue subrogation opportunities when applicable
- Maintain high standards of compliance, documentation, and customer communication in a fast-paced field environment
Senior Property Field Adjuster
Liberty National Life Insurance Company
Chino
05.2021 - 11.2022
- Investigated and determined coverage on-site for moderate to high severity property claims
- Evaluated damage, prepared detailed repair estimates, and resolved complex coverage issues
- Explained coverage and claim process to policyholders, including damages, emergency repairs, and ALE
- Coordinated with contractors, mitigation vendors, and service providers throughout claim resolution
- Utilized Xactimate and internal systems to produce accurate estimate packages and documentation
- Identified suspicious losses and supported SIU investigations when applicable
Field Property Claims Adjuster
Mercury Insurance
Brea
12.2019 - 04.2021
- Conducted investigations to confirm cause of loss and interpret coverage
- Drafted reservation of rights and denial letters with management approval
- Performed property inspections and completed Xactimate estimate packages
- Coordinated expert inspections including engineers and consultants when needed
- Maintained strong customer service while managing claim timelines and file quality
Material Damage Claims Adjuster
National General Insurance Company
Ontario
07.2016 - 11.2019
- Investigated liability claims by gathering statements, reviewing evidence, and analyzing exposure
- Evaluated claims within authority limits and escalated complex exposures for approval
- Negotiated settlements and documented claim activity with clear justification
- Identified subrogation and fraud potential, referring files to appropriate units when needed
- Maintained compliance with regulatory standards and fair claims practices
Field Supervisor
Allied Universal Security Services
Riverside
02.2013 - 03.2016
- Supervised operations across 26 sites with oversight of 70+ personnel
- Managed scheduling, training, and performance of security staff
- Acted as primary client contact and maintained relationships across multiple locations
- Oversaw daily operations for county facilities including courts, probation, and behavioral health departments
Field Artillery Cannon Crewmember
United States Army
San Diego
02.2006 - 09.2009
- Led and trained personnel in operation and maintenance of artillery systems
- Managed equipment and assets valued at approximately $1M
- Supported combat operations in Iraq with a focus on readiness and execution
- Supervised team operations including transport, distribution, and mission preparation
Education
Bachelor of Science - Criminal Justice Management
University of Phoenix
Tempe, AZ 01.2009 - 01.2013
Skills
- Property Claims Handling (End-to-End)
- Field Inspections & Damage Assessment
- Xactimate Estimating
- Coverage Investigation & Determination
- Vendor & Contractor Coordination
- Subrogation & SIU Referral
- Customer Communication & Negotiation
- Guidewire & Claims Systems
- High-Volume Claim Management
Certification
- Florida All-Lines Adjuster License (reciprocal across multiple states)
- Xactimate Level 1 Certified
- Continuing Education – Current
Timeline
Property Field Adjuster Specialist
USAA Insurance
04.2023 - Current
Senior Property Field Adjuster
Liberty National Life Insurance Company
05.2021 - 11.2022
Field Property Claims Adjuster
Mercury Insurance
12.2019 - 04.2021
Material Damage Claims Adjuster
National General Insurance Company
07.2016 - 11.2019
Field Supervisor
Allied Universal Security Services
02.2013 - 03.2016
Bachelor of Science - Criminal Justice Management
University of Phoenix
01.2009 - 01.2013
Field Artillery Cannon Crewmember
United States Army
02.2006 - 09.2009