Carmen Lane
Des Moines,IA
Summary
Experienced insurance professional with several-year career assessing properties, determining liabilities and negotiating settlements. Detail-oriented, observant and knowledgeable with excellent interpersonal and documentation skills. Efficiently handle high cases
Accurate Property Claims Adjuster with excellent time management and problem-solving capabilities. Logical and fair to thoroughly explain insurance policies and settlement offers to claimants. Expertise in assessing damage, calculating data and preparing investigation reports.
Overview
10
10
years of professional experience
Work History
National Catastrophe Property Claims Adjuster
Nationwide
Des Moines
08.2021 - Current
- Contacted banks to acquire credit information.
- Conducted secondary evaluations of original investigations documentation and reports to facilitate smooth resolutions.
- Analyzed claim data such as photographs, diagrams, witness statements, and police reports.
- Provided guidance to claimants regarding the claims process and documentation needed for payment processing.
- Traveled to customer sites to evaluate fallen trees, leaking roofs and other issues to create accurate cost estimations.
- Prepared detailed written reports outlining investigation results.
- Investigated property damage claims to determine coverage and liability.
- Documented all activities related to a claim such as conversations with claimants or insurance representatives.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Reduced loss ratios through fair and prompt processing of claims.
- Evaluated policy provisions, applicable laws, and other relevant information to determine claim payments or denials.
- Communicated with customers via phone or email to update them on their claims status or answer questions they may have had.
- Reviewed contracts related to insured properties for language related to coverage limits.
- Negotiated settlements with claimants to resolve disputes.
Centralized Property Claims Associate
Nationwide
Des Moines, IA
07.2016 - 08.2021
- Assisted new policyholders with processing claims.
- Handled billing related activities focused on medical specialties.
- Coordinated and planned investigations of claims to confirm compensability and coverage.
Call Center Representative
Nationwide
Des Moines
12.2014 - 06.2016
- Collected deposits or payments and arranged for billing.
- Participated in daily huddles with team members in order to discuss common goals and objectives.
- Utilized job-related software to prepare change of address records and issue service discontinuance orders.
Education
Associate of Arts - Criminal Justice
Ellsworth Community College
Iowa Falls, IA05-2013
Some College (No Degree) - Criminal Justice
Iowa State University
Ames, IASkills
- Estimating repair costs
- Insurance policy sales
- Claims investigation
- Damage assessment
- Insurance regulations
- Analytical-minded
- Excellent people skills
- Claims processing
- Property inspection
- Personal accountability
- Casualty and property loss
- Policy investigations
- Multi-Tasking Capability
- Property claims
- Property adjusting
Timeline
National Catastrophe Property Claims Adjuster
Nationwide
08.2021 - Current
Centralized Property Claims Associate
Nationwide
07.2016 - 08.2021
Call Center Representative
Nationwide
12.2014 - 06.2016
Associate of Arts - Criminal Justice
Ellsworth Community College
Some College (No Degree) - Criminal Justice
Iowa State University