Carin Billingsley
Calumet City,IL
Summary
Organized and motivated Claims Adjuster eager to apply time management and organizational skills in various environments. Seeking entry-level opportunities to expand skills while facilitating company growth.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Property Field Adjuster
Alacrity Solutions
Chicago, IL
05.2020 - 11.2023
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Conducted interviews with insureds, witnesses, contractors and other parties involved in the claim process.
- Coordinated emergency repair, cleaning companies and contractors to optimize customer claim handling.
- Analyzed estimates of repair costs prepared by contractors or homeowners.
- Provided expert testimony at trials when necessary regarding findings on property losses.
- Gathered and documented evidence to support court proceedings.
- Investigated policyholder's claims to determine coverage and liability under the insurance policy.
- Reduced loss ratios through fair and prompt processing of claims.
- Input claim information and payments into company database.
- Explained coverages available under various types of policies to customers over the phone.
- Reviewed police reports, medical treatment records, medical bills and physical property damage to determine extent of liability.
- Detailed coverage, liability and reasons for denial of claims to policyholders, attorneys, and third-party providers.
- Researched applicable building codes and standards for damages sustained due to construction defects.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Assessed the cause of losses such as fire, water, windstorm or vandalism.
- Assisted in resolving disputes between claimants and insurance companies via mediation or arbitration.
- Evaluated damages to properties, including structures and personal property.
Daily Claims/CAT Desk Property Adjuster
ICAT Boulder Claims
Broomfield, CO
08.2019 - 10.2019
- Investigated and determined coverage for homeowner property damage claims
- Reviewed and accepted contractor estimates
- Interpreted policy to insureds and provided details of coverage
- Discussed settlements with insureds and issued payments to them as well as contractors
- Processed claims from inception to conclusion while handling a high inbound call volume.
- Reduced loss ratios through fair and prompt processing of claims.
- Investigated potentially fraudulent claims with focus on thoroughness, quality and cost control.
- Coordinated emergency repair, cleaning companies and contractors to optimize customer claim handling.
- Attended court hearings relating to disputed claims when required.
- Maintained accurate records of adjuster activities for review by supervisors or auditors.
- Provided clear explanations of coverages, exclusions, and limitations to claimants.
- Prepared detailed reports outlining all pertinent facts surrounding each claim.
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Discussed current cases and issues in claim committee meetings.
- Input claim information and payments into company database.
- Worked closely with contractors to ensure repairs are completed according to insurance specifications.
- Communicated with reinsurance brokers to obtain claim information for processing.
General Laborer
A.P. Construction and Concrete
Park Forest, IL
02.2019 - 08.2019
- Provided tools that were needed on job site
- Assisted with framing and stabilizing the building structure
- Monitored work environment for any safety concerns or threats
- Installed floors, ceilings, and walls.
- Ensured that all safety regulations were followed while working onsite.
- Operated and maintained a variety of equipment including hand and power tools.
- Placed reinforcing steel bars into forms prior to pouring concrete slabs.
- Constructed formwork for concrete pours according to plans provided by supervisors.
- Cut lumber into specified sizes using saws or other woodworking tools.
- Measured, marked or recorded openings or distances to construction layout areas.
- Positioned, aligned or sealed concrete wall sections or pipes.
- Built scaffolding around buildings to provide access for workers at heights.
- Utilized two-way radios and hand signals to coordinate communication between equipment operators.
- Assembled prefabricated components such as windows, doors, and trusses according to instructions.
- Gained independent working skills and guided and mentored less experienced team members.
Catastrophe Field Property Adjuster
State Farm
Raleigh, NC
08.2018 - 12.2018
- Investigated and determined coverage for homeowners property damage claims
- Utilized Xactimate and Xactcontents to complete estimates and input applicable policy coverages
- Reviewed and accepted contractor estimates
- Accessed roofs to assess damages, record roof pitch, determined type of roof shingle using Haag shingle gauge
- Completed detailed sketch, scope and photos to properly adjust damaged property
- Discussed settlements with insureds and issued payments
- Issued payments within my authority and maintained an organized claim file.
- Checked into questionable claims, interviewing agents and claimants to resolve errors and omissions.
- Worked closely with contractors to ensure repairs are completed according to insurance specifications.
- Coordinated with law enforcement agencies regarding criminal activity involving a claim.
- Calculated estimates of repair costs based on inspections, photographs, and other sources of information.
- Traveled to customer sites to evaluate fallen trees, leaking roofs and other issues to create accurate cost estimations.
- Reduced loss ratios through fair and prompt processing of claims.
- Established contact with insureds via telephone or in person to discuss their claims.
- Coordinated with law enforcement and testified at criminal proceedings.
- Discussed current cases and issues in claim committee meetings.
- Provided clear explanations of coverages, exclusions, and limitations to claimants.
- Explained loss coverage, assisted policyholders with itemizing damages and coordinated alternative living arrangements.
- Prepared detailed reports outlining all pertinent facts surrounding each claim.
Catastrophe Field (Assistant) Auto Adjuster
USAA
San Antonio, TX
12.2017 - 06.2018
- Deployed to hail catastrophe claim sites in San Antonio and Missouri, assisted in writing hail damage estimates using Audatex and Mitchell estimating software
- Utilized PDR (paintless dent repair) methods to write estimates
- Coordinated the towing of total loss vehicles to salvage yards.
- Maintained and updated filing, inventory and database systems, manually or using computer.
- Sorted and distributed incoming mail, dispersing to appropriate departments and personnel.
- Trained staff members to perform work activities and use computer applications.
- Escalated complex concerns to effectively meet customers' needs and walked customers through next steps.
- Operated photocopiers and scanners, facsimile machines and personal computers.
- Reviewed and interpreted work orders and repair requests to determine needs.
- Took measurements of water quality parameters such as temperature, pH levels, salinity.
- Inventoried and ordered materials, supplies and services.
- Offered customers on-site support for installation, service and repair needs.
- Helped customers by answering questions and resolving issues using excellent troubleshooting and testing abilities.
- Operated various equipment such as GPS units, cameras, binoculars and thermometers.
- Prepared reports summarizing findings from field observations or experiments.
Senior Assistant Manager
Discount Tires
Highland, IN
07.2008 - 01.2018
- Conducted sales and monthly service trainings and company updates
- Ensured daily and monthly sales targets were met and exceeded
- Trained and enforced company safety policies for employees and customers
- Interacted daily with customers to ensure experience was of quality and satisfaction
- Conducted initial interview and application process for new hires
- Completed weekly scheduling using KD-09.
Education
AA - Electronic Engineering and Technology -
East West University
01.2008
Major course of study Electrical Engineering -
Northern Illinois University
01.2005
Texas Adjuster All Lines -
1st Choice Certification
Skills
- Innovative and results-driven Management and Insurance professional focused on achieving exceptional results in a fluid environment that demands continuous improvement
- Claims Evaluation
- Coverage Assessment
- Complex Mathematics
- Settlement Negotiations
- Critical Thinking
- File and Record Management
- Claim Form Analysis
- Property Damage Assessment
- Title Examination
- Claims Processing
Certification
- Texas
- Louisiana
- North Carolina
- Oklahoma
- West Virginia
- State Farm Fire Certified
- USAA Certified
- Rope and Harness Certified
Timeline
Property Field Adjuster
Alacrity Solutions
05.2020 - 11.2023
Daily Claims/CAT Desk Property Adjuster
ICAT Boulder Claims
08.2019 - 10.2019
General Laborer
A.P. Construction and Concrete
02.2019 - 08.2019
Catastrophe Field Property Adjuster
State Farm
08.2018 - 12.2018
Catastrophe Field (Assistant) Auto Adjuster
USAA
12.2017 - 06.2018
Senior Assistant Manager
Discount Tires
07.2008 - 01.2018
AA - Electronic Engineering and Technology -
East West University
Major course of study Electrical Engineering -
Northern Illinois University
Texas Adjuster All Lines -
1st Choice Certification