Carmela Bright-Phillips

Motivated Claims Examiner specializing in condominium, homeowner, commercial, and catastrophe claims. Negotiates peaceful resolutions of all claims with emphasis on fairness and thoroughness. Trustworthy and dependable.

• 2022, Present, CBP Risk Services, LLC, Gainesville, Florida, Independent Claims Adjuster, Dedicated Licensed Claims Adjuster specializing in Condominium Claims, Homeowner Claims, and Commercial Property Claims. Proficient in policy interpretation, negotiation, and settlement in all Property Line Claims. Proficient in identifying Material Misrepresentation in Claims and Underwriting. Proficient in File Review.
• 2018, 2022, Homeowners Choice Insurance Company, Ocala, Florida, Claims Examiner, Responsible for handling aged homeowners claims for all hurricane and water losses to conclusion and prior to litigation.
• 2015, 2018, Cabrillo Coastal General Insurance Agency, Gainesville, Florida, Personal Lines Underwriter/Claims Analyst, Responsible for risk selection and review of applications for Condominium Unit Owners policies for 65 counties in the State of Florida. Communicated with Agents to determine correct data was gathered with each policy. Made recommendations for change and determined if the policies were within the niche and risk appetite for the company. Provided recommendations for change for the overall program to the Marketing and Products team. Dedicated Licensed Claims Adjuster specializing in Condominium Claims. Proficient in policy interpretation, negotiation, and settlement in all Property Line Claims. Proficient in identifying Material Misrepresentation in Claims and Underwriting.
• 2008, 2013, Citizens Property Insurance Corporation, Jacksonville, Florida, Insurance Operations Claims Trainer/Claims Technical Coordinator, Primary duties included developing and implementation of training classes for the Claims department. Designed classes to meet the needs of upper management for all claims employees and independent contractors in various topics including but not limited to Sinkhole training, basic claims guidelines and best practices and letter writing. Other duties included supervising and mentoring team leaders in the company’s policies and procedures for the Managed Claim Model program. These duties involved daily monitoring of work performance, advising on coverage issues, teaching, coaching, and mentoring adjusters, and performing file reviews. Worked alongside Claims Management to revise all claim letters for the intranet portal.