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Tim Woodcock

@timwoodcock

Senior Claims Examiner at Heritage Property & Casualty Insurance Company; handled complex residential claims through investigation, coverage review, and resolution.

United States
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At Heritage Property & Casualty Insurance Company, I managed an assigned inventory of property claims in a direct-carrier desk environment, handling investigation, coverage review, reserve evaluation, estimate review, and resolution within carrier procedures and regulatory requirements.

From March 2020 to December 2025, I independently adjusted complex residential property claims through independent adjusting firms contracted with Citizens Property Insurance Corporation (CPIC). I handled high-severity, catastrophe, and litigated losses from first notice through resolution, including coverage analysis, Xactimate estimates, reserve management, and settlement negotiation.

As Owner & Florida Licensed Property Inspector at First Choice Property Inspections, Inc., I founded and operated an inspection company and developed knowledge of construction, building systems, and damage causation. I also mentored newer adjusters and supported catastrophe deployments across eight named storms.

Experience

Work history, roles, and key accomplishments

HC

Senior Claims Examiner

Heritage Property & Casualty Insurance Company

Jun 2026 - Sep 2026 (3 months)

Managed an assigned inventory of property claims in a high-volume desk environment, applying prior desk and full-assignment experience to investigation, coverage review, documentation, reserve evaluation, estimate review, and claim resolution.

IP

Independent 6-20 All-Lines Adjuster

Independent Adjusting Firms contracted with Citizens Propert

Mar 2020 - Dec 2025 (5 years 9 months)

Independently investigated and adjusted high-severity and complex residential property claims from first notice through resolution, including litigated and attorney-represented files. Managed reserves, negotiated settlements, and served as primary contact for insureds, agents, contractors, and attorneys.

FC

Independent 6-20 All-Lines Adjuster

Florida Peninsula Insurance Company

Aug 2019 - Sep 2019 (1 month)

Selected for Hurricane Dorian catastrophe desk deployment at the carrier's headquarters, supporting surge readiness in a fast-paced, high-pressure claims environment.

EL

Owner & Mortgage Broker

EZ Home Loans

Jun 2016 - Apr 2018 (1 year 10 months)

Guided borrowers through qualification, underwriting, documentation, and closing while maintaining compliance with state and federal lending requirements.

Education

Degrees, certifications, and relevant coursework

University at Albany logoUA

University at Albany

Associate of Computer Science, Computer Science

Associate of Computer Science degree from the University at Albany.

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