Joel Ramirez
Katy
Summary
Experienced and customer-focused Claims Adjuster with a background in field property inspections, claims investigations, damage assessment, and estimate preparation. Skilled in evaluating losses, interpreting policy coverages, utilizing Xactimate, and communicating effectively with policyholders, contractors, and other stakeholders. Known for strong analytical abilities, attention to detail, and delivering exceptional customer service while managing claims efficiently and maintaining compliance with company standards. Bilingual in English and Spanish.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Field Property Adjuster
Allstate
01.2024 - Current
- Investigate residential property claims and conduct field inspections to evaluate damages and determine claim scope.
- Conduct on-site inspections of residential properties following weather-related and accidental losses.
- Document damages through photographs, measurements and detailed reports.
- Utilize Xactimate to prepare repair and replacement estimates.
- Review policy coverages and communicate claim decisions to policyholders.
- Coordinate with contractors, homeowners and other involved parties throughout the claims process.
- Maintain accurate claim files and documentation in accordance with company guidelines.
- Respond to customer inquiries and provide updates regarding claim status and next steps.
- Manage multiple claims while meeting service expectations and deadlines.
Claims Adjuster
State Farm
01.2023 - 01.2023
- Conducted comprehensive investigations into claims to assess coverage, liability and damages.
- Conducted inspections and interviews to gather information for claim processing.
- Negotiated settlements while adhering to policy guidelines and regulations.
- Collaborated with legal teams and external stakeholders to resolve claims efficiently.
- Prepared detailed reports outlining investigations, analyses and settlement recommendations.
- Maintained documentation to ensure compliance with company standards and legal requirements.
- Provided customer service by addressing inquiries, explaining coverage and guiding clients through the claims process.
- Utilized Xactimate to create detailed property damage estimates.
Electrician
ISC Constructors
01.2021 - 01.2023
- Installed and maintained electrical systems in refinery environments.
- Fabricated and installed conduit, cable trays, junction boxes, motors and transformers.
- Performed troubleshooting on energized motor controls.
Project Scheduler
Stucco King Construction
01.2020 - 01.2021
- Maintained records of time, materials, expenditures and crew activities.
- Managed inventory, supply orders and purchase orders.
Electrician
USIS (U.S. Information Systems)
01.2019 - 01.2020
- Assisted with installation, maintenance and troubleshooting of electrical systems.
- Performed preventative maintenance according to NEC standards.
Shuttle Driver & Porter
Honda Cars of Katy
01.2018 - 01.2019
- Provided excellent customer service.
- Maintained vehicle and operational records.
Skills
- Customer Service
- Property Claims Investigation
- Field Inspections
- Xactimate Estimating
- Coverage Analysis
- Damage Assessment
- Claim Documentation
- Negotiation
- Quality Assurance
- OSHA Safety
- Bilingual
- Xactimate
- Microsoft Office (Word, Excel, PowerPoint, Outlook)
Certification
- EIFS Inspector, Moisture Analyst & Quality Control Certification
- Apprentice Electrician License – TDLR
- OSHA 10-Hour #29CFR192
- Insurance Adjuster License – All Lines #3045954
LANGUAGES
English
Spanish
Timeline
Field Property Adjuster
Allstate
01.2024 - Current
Claims Adjuster
State Farm
01.2023 - 01.2023
Electrician
ISC Constructors
01.2021 - 01.2023
Project Scheduler
Stucco King Construction
01.2020 - 01.2021
Electrician
USIS (U.S. Information Systems)
01.2019 - 01.2020
Shuttle Driver & Porter
Honda Cars of Katy
01.2018 - 01.2019