Summary
Overview
Work History
Education
Skills
Certification
References
Timeline
Generic

Carmen Savoy

League City,Texas

Summary

Dedicated and results-driven professional with a proven track record in claims management, file review, and administrative roles. Adept at leveraging strong organizational and analytical skills to ensure accurate estimation and reconciliation of claims. Demonstrates exceptional customer service and communication abilities. Organized and detail-oriented Investigator dedicated to improving efficiency, productivity and profitability through continuous process improvement. Analytical thinker skilled at developing innovative solutions to complex problems. Service-oriented Claims Adjuster skilled at applying creative approaches to solving complex problems. Adept at developing profitable and quality-focused processes. Motivated Claims Adjuster specializing in personal, property and casualty loss and damages. Negotiates peaceful resolutions of all claims with emphasis on fairness and thoroughness. Trustworthy and dependable. Insurance Adjuster skilled in investigating and analyzing liability concerning personal, casualty or property loss. Proven history of leveraging excellent negotiation skills to facilitate settlements. Excellent communication skills demonstrated through 15 years of experience interviewing specialists, witnesses and claimants to compile information.

Overview

19
19
years of professional experience
1
1
Certification

Work History

Independent Adjuster

Worley Catastrophe Response
01.2008 - 01.2019
  • Responsible for handling property and Auto claims for major insurance carriers across the country in catastrophic environments including State Farm and Liberty Mutual
  • Investigated property and auto claims for Flood, Windstorm, Tornado, Back-up of sewer and drain, Hurricane, Hail claims for single-family residential, commercial, multi-family apartment complex and condominiums
  • Review policy and determine coverage and explain verbally and written form coverage and exclusions in policy
  • Estimate damages to insured property and make determination of the cause and coverage's applicable under their current policy
  • Take photographs of damaged property and provide a detailed report of the cost to repair using regional price lists
  • Explain estimate to policyholder and issue draft to policyholder
  • Team Lead for Worley Catastrophe Response - Reviewed financial applications for assistance due to environmental catastrophe due to oil biohazard
  • Approved or denied adjuster files, issued payments, conducted meetings, training classes and adjuster evaluations
  • Reviewed staff and program estimate for approval, mail and calendar tasks, customer calls to explain estimates and issued payments to customers
  • Determined if repairs were loss related or due to maintenance or wear and tear, issued denial letters if claim was determined not loss related
  • Completed Claim Representative new claim, reassignment and mail tasks, customer calls to obtain facts of loss, determining liability, and completing rental and estimate assignments to move all claims to completion
  • Due to State Licenses obtained able to work in 8 of the 11 Zones for State Farm as a Claim Processor and Claim Representative
  • Investigated Total Fire and Theft Claims for Auto Special Investigation Unit
  • Gathered data such as police statements, fire investigators, insured, friends, and family to determine if any fraud indicators were present at time of theft or fire.
  • Achieved efficient claims processing by conducting thorough investigations and accurate documentation of property damage.
  • Enhanced customer satisfaction by providing timely updates on claims status and addressing concerns promptly.
  • Built strong relationships with policyholders, fostering trust and ensuring accurate information gathering during the claims process.
  • Developed expertise in specialized areas such as catastrophe response or specific types of property damage to better serve clients'' needs during critical situations.
  • Maintained current knowledge of industry trends and best practices through continuous professional development opportunities such as training sessions or certifications courses.
  • Expedited claim resolution times with prompt onsite inspections after receiving new assignments from supervisors or dispatch centers.
  • Provided exceptional customer service amid high-stress circumstances like natural disasters or widespread property damages events.
  • Conducted effective interviews with policyholders, witnesses, contractors to gather comprehensive information related to a claim''s investigation process.
  • Managed multiple priorities simultaneously while ensuring all tasks were completed within set deadlines and quality standards maintained.
  • Adapted quickly to changing claim environments or new company policies, demonstrating flexibility and resilience in a fast-paced industry.
  • Maintained a solid understanding of how policy language applied to specific claims situations ensuring consistent interpretation for all parties involved.
  • Traveled to on-site locations of loss on scheduled or sudden notice, addressing phone-recorded statements, securing photos and measurements and documenting scope of property damage.
  • Kept electronic claim files properly documented with accurate, clear and timely information and reports reflecting adjustment activities and substantiating any payments made.
  • Negotiated settlement of claims of varying complexity and peril, achieving prompt, fair and equitable settlement of claim in cases of policy liability.
  • Affirmed or denied coverage of claims based on facts and policy terms and conditions, developing information necessary to make advance, partial and final payments when appropriate.
  • Evaluated insurance policies and analyzed damages to determine coverage.
  • Prepared summaries of damage, payments, and policy coverage.
  • Answered customer questions regarding deductibles.
  • Examined claims forms and other records to determine insurance coverage.
  • Verified insurance claims and determined fair amount for settlement.
  • Documented all investigation activity and presented reports to management.
  • Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
  • Substantiated legitimate claims and denied unjustified claims.

Independent Adjuster

Pilot Catastrophe Services
01.2005 - 01.2019
  • Responsible for investigating property claims for major insurance carriers across the country in catastrophic environments including State Farm, Allstate, and Liberty Mutual
  • Investigated Flood, Windstorm, Tornado, Back-up of sewer and drain, Hurricane, Hail claims for single-family residential, commercial, multi-family apartment complex and condominiums
  • Review policy and determine coverage and explain verbally and written form coverage and exclusions in policy
  • Estimate damages to insured property and make determination of the cause and coverage's applicable under their current policy
  • Take photographs of damaged property and provide a detailed report of the cost to repair using regional price lists
  • Explain estimate to policyholder and submit file for final approval and draft authorization
  • Explain estimate to policyholder and issue draft to policyholder
  • Reviewed staff and program estimate for approval, mail and calendar tasks, customer calls to explain estimates and issued payments to customers
  • Determined if repairs were loss related or due to maintenance or wear and tear, issued denial letters if claim was determined not loss related
  • Completed Claim Representative new claim, reassignment and mail tasks, customer calls to obtain facts of loss, determining liability, and completing rental and estimate assignments to move all claims to completion
  • Due to State Licenses obtained able to work in 8 of the 11 Zones for State Farm as a Claim Processor and Claim Representative
  • Investigated Total Fire and Theft Claims for Auto Special Investigation Unit
  • Gathered data such as police statements, fire investigators, insured, friends, and family to determine if any fraud indicators were present at time of theft or fire.
  • Achieved efficient claims processing by conducting thorough investigations and accurate documentation of property damage.
  • Enhanced customer satisfaction by providing timely updates on claims status and addressing concerns promptly.
  • Ensured regulatory compliance in handling claims by adhering to state laws, insurance policies, and company guidelines.
  • Followed up on potentially fraudulent claims initiated by claims representatives.
  • Consistently met performance metrics for claim closures by managing caseloads effectively and prioritizing urgent cases.
  • Built strong relationships with policyholders, fostering trust and ensuring accurate information gathering during the claims process.
  • Collaborated with other adjusters, agents, and experts to exchange information, seek advice, or provide guidance on complex cases.
  • Expedited claim resolution times with prompt onsite inspections after receiving new assignments from supervisors or dispatch centers.
  • Assisted in special projects as needed, contributing valuable insights into team decision-making processes regarding claim handling initiatives or strategies changes.
  • Provided exceptional customer service amid high-stress circumstances like natural disasters or widespread property damages events.
  • Conducted effective interviews with policyholders, witnesses, contractors to gather comprehensive information related to a claim''s investigation process.
  • Managed multiple priorities simultaneously while ensuring all tasks were completed within set deadlines and quality standards maintained.
  • Adapted quickly to changing claim environments or new company policies, demonstrating flexibility and resilience in a fast-paced industry.
  • Maintained a solid understanding of how policy language applied to specific claims situations ensuring consistent interpretation for all parties involved.
  • Traveled to on-site locations of loss on scheduled or sudden notice, addressing phone-recorded statements, securing photos and measurements and documenting scope of property damage.
  • Reviewed and utilized financial statements to adjust moderately-sized business interruption losses subject to claims and potential payouts.
  • Kept electronic claim files properly documented with accurate, clear and timely information and reports reflecting adjustment activities and substantiating any payments made.
  • Conducted prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin and extent of loss.
  • Affirmed or denied coverage of claims based on facts and policy terms and conditions, developing information necessary to make advance, partial and final payments when appropriate.
  • Evaluated insurance policies and analyzed damages to determine coverage.
  • Prepared summaries of damage, payments, and policy coverage.
  • Established relationships with clients and insurance companies to foster timely claims resolution.
  • Answered customer questions regarding deductibles.
  • Examined claims forms and other records to determine insurance coverage.

Office Manager

Moved By Faith Services
11.2023 - Current
  • Streamlined office operations by implementing efficient filing systems and organizational strategies.
  • Enhanced team productivity by delegating tasks effectively and overseeing daily workflow.
  • Reduced costs with meticulous budget monitoring and expense tracking for essential supplies and equipment.
  • Facilitated smooth communication between departments, addressing concerns promptly to maintain harmonious work relationships.
  • Coordinated office events and meetings, ensuring timely execution and optimal scheduling for all participants.
  • Managed vendor relationships, negotiating contracts for cost savings while maintaining high-quality services.
  • Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
  • Maintained accurate financial records by reconciling accounts payable/receivable transactions regularly to ensure balanced budgets.
  • Oversaw facility maintenance requests, coordinating with building management to address repairs or improvements efficiently.
  • Conducted regular inventory assessments of office supplies, ordering necessary items proactively to prevent stock shortages.
  • Organized travel arrangements for executives by researching cost-effective options while accommodating individual preferences.
  • Optimized workspace usage by reorganizing floor plans according to team needs and office layout constraints.
  • Provided exceptional customer service when addressing client inquiries or concerns via phone calls or email correspondence.
  • Maintained computer and physical filing systems.
  • Created, maintained, and updated filing systems for paper and electronic documents.
  • Updated reports, managed accounts, and generated reports for the company database.
  • Developed and maintained successful relationships with vendors, suppliers, and contractors.
  • Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
  • Managed office operations while scheduling appointments for department managers.
  • Evaluated employee records and productivity and submitted evaluation reports.
  • Maintained a professional demeanor by staying calm when addressing unhappy or angry customers.
  • 'Managed approximately 30 incoming calls, emails, and faxes per day from customers.'

Independent Claims File Reviewer

Brush Country Claims
04.2023 - 10.2023
  • Review job site information from the photos and notes from the field adjusters
  • Estimate each project using various estimating software such as Xactimate, and Symbility
  • Submit complete estimates for payment within the required time frame
  • Review contractor's estimates and compared to the insurance estimates to reconcile.
  • Actively sought opportunities for professional development, attending industry conferences and webinars to expand expertise in relevant fields.
  • Maintained strong attention to detail while reviewing numerous documents daily, ensuring consistent quality and accuracy.
  • Maintained compliance with state regulations and company policies while handling a high volume of insurance claims.
  • Managed catastrophe situations effectively, addressing urgent claims needs quickly and compassionately.
  • Utilized advanced software tools to manage workload efficiently, prioritizing tasks based on urgency or complexity level.
  • Coordinated prompt payments to clients after successful settlement negotiations were reached.
  • Ensured accurate record-keeping within database systems for audit purposes and streamlined retrieval of pertinent information during claim reviews.
  • Prepared summaries of damage, payments, and policy coverage.
  • Examined claims forms and other records to determine insurance coverage.
  • Verified insurance claims and determined fair amount for settlement.
  • Substantiated legitimate claims and denied unjustified claims.
  • Resolved complex, severe exposure claims using high service oriented file handling.

Receptionist

Office Furniture Connection
09.2021 - 04.2023
  • Answered Inbound Calls experience
  • Welcomed visitors
  • Maintain various office files and provide general office filing support
  • Structure, filter, and hand out incoming mail according to specified procedures
  • Manage various office files and provided general office filing support
  • Assisted other administrative staff with support overflow work, including word processing, data entry and Internet research tasks
  • Routed all incoming phone calls to the appropriate individuals
  • Ordered Office Supplies
  • Managed the Showroom products
  • Assisted Customers with ordering and purchasing furniture needs.
  • Assisted in the planning of office events and meetings, ensuring smooth execution and positive outcomes.
  • Provided administrative support to staff members by handling correspondence, filing documents, and managing office supplies inventory.
  • Contributed to team success by cross-training in various administrative roles, providing backup support when necessary.
  • Demonstrated strong multitasking abilities while managing numerous tasks simultaneously under tight deadlines.
  • Supported office efficiency by performing clerical tasks such as data entry, photocopying, scanning, and faxing documents.
  • Cultivated positive relationships with clients through professional demeanor and excellent interpersonal skills.
  • Handled sensitive information with discretion while maintaining strict confidentiality standards.
  • Coordinated travel arrangements for executives, ensuring seamless itineraries that met all requirements.
  • Managed conference room schedules to ensure efficient use of space for meetings and other events.
  • Greeted incoming visitors and customers professionally and provided friendly, knowledgeable assistance.
  • Answered phone promptly and directed incoming calls to correct offices.
  • Responded to inquiries from callers seeking information.
  • Resolved customer problems and complaints.
  • Corresponded with clients through email, telephone, or postal mail.
  • Handled cash transactions and maintained sales and payments records accurately.
  • Managed multiple tasks and met time-sensitive deadlines.
  • Provided product benefits and advantages and discussed pricing with interested parties.
  • Developed and grew leads through repeat business and customer referrals.
  • Expanded brand and marketing strategies by planning strategic events.
  • Managed customer accounts to secure customer satisfaction and repeat business.
  • Negotiated contracts with clients and developed relationships with key personnel.
  • Met with existing customers and prospects to discuss business needs and recommend optimal solutions.
  • Created professional sales presentations and seminars to effectively demonstrate product features and competitive advantages.
  • Served customers with knowledgeable, friendly support at every stage of shopping and purchasing.
  • Greeted customers and offered assistance with selecting merchandise, finding accessories and completing purchases.
  • Built relationships with customers and community to promote long term business growth.

Independent Adjuster

RSO Precession Consulting
03.2021 - 09.2021
  • Responsible for investigating property claims for major insurance carriers across the country in catastrophic environments including State Farm, Allstate, and Liberty Mutual
  • Investigated Flood, Windstorm, Tornado, Back-up of sewer and drain, Hurricane, and Hail claims for Single-Family Residential, Commercial Buildings, Multi-Family Apartment Complexes, Hotel Building, College Dormitories, and High Rise Condominiums
  • Review policy and determine coverage and explain verbally and written form coverage and exclusions in policy
  • Estimate damages for property and determine the cause and coverage applicable under their current policy
  • Take photographs of damaged property and provide a detailed report of the cost to repair using regional price-lists
  • Created Xactimate Estimates for clients, reviewed mitigation estimates wrote comparative estimates for Restoration Companies, and created comparative reports for insurance companies.
  • Achieved efficient claims processing by conducting thorough investigations and accurate documentation of property damage.
  • Enhanced customer satisfaction by providing timely updates on claims status and addressing concerns promptly.
  • Improved workflow efficiency by maintaining organized records of all claim-related documents, photos, and correspondence.
  • Consistently met performance metrics for claim closures by managing caseloads effectively and prioritizing urgent cases.
  • Collaborated with other adjusters, agents, and experts to exchange information, seek advice, or guide complex cases.
  • Maintained current knowledge of industry trends and best practices through continuous professional development opportunities such as training sessions or certification courses.
  • Assisted in special projects as needed, contributing valuable insights into team decision-making processes regarding claim-handling initiatives or strategy changes.
  • Managed multiple priorities simultaneously while ensuring all tasks were completed within set deadlines and quality standards were maintained.
  • Adapted quickly to changing claim environments or new company policies, demonstrating flexibility and resilience in a fast-paced industry.
  • Traveled to on-site locations of loss on scheduled or sudden notice, addressing phone-recorded statements, securing photos and measurements, and documenting the scope of property damage.
  • Kept electronic claim files properly documented with accurate, clear, and timely information and reports reflecting adjustment activities and substantiating any payments made.
  • Prepared summaries of damage, payments, and policy coverage.
  • Documented all investigation activity and presented reports to management.
  • Trained other claims staff members on proper handling and evaluation of injury claims.
  • Conducted day-to-day administrative tasks to maintain information files and process paperwork.
  • Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
  • Resolved complex, severe exposure claims using high service-oriented file handling.
  • Investigated and assessed property damage and reviewed property damage estimates.

SIU Investigator

Veracity Research Company
05.2019 - 03.2021
  • Investigated Fire, Theft, General Liability, Workers Compensation, Flood, Windstorm, Hail, and Traffic Accident claims for Multiple Special Investigation Unit
  • Gathered data such as police statements, fire investigators, insured, friends, and family to determine if any fraud indicators were present at time of theft or fire
  • Conducted scene investigations and obtained investigative photographs
  • Analyzed information, developed logical questions
  • Completed detailed and accurate investigative reports for clients.
  • Conducted comprehensive interviews with subjects to gather crucial information for cases.
  • Analyzed complex data sets to identify patterns, trends, and potential fraud indicators in claims.
  • Prepared detailed investigation reports for management teams and legal departments, facilitating effective decision-making processes.
  • Managed caseloads effectively by prioritizing tasks based on urgency and complexity of cases.
  • Maintained thorough documentation of all investigative actions taken, ensuring compliance with company policies and legal requirements.
  • Collected sworn written and recorded statements backing up investigations.

Education

Skills

  • Excellent customer service and office administrative skills
  • Excellent phone etiquette and ability to establish rapport with diverse clientele
  • Strong attention to detail
  • Highly organized, attentive, has a sense of urgency, flexible, and able to deal with frequent interruptions and changing priorities
  • Sound written and verbal communication skills
  • Expense Reporting, Billing, Bookkeeping, Data Entry, Customer Service, Scheduling, Credit and Collections
  • Organizational Skills
  • Fraud Detection, Conflict Resolution, Coverage Verification
  • Familiar with Mitchell saftware
  • Time Management, Critical Thinking
  • Claims Investigation, Subrogation Process, Policy Interpretation, Property Damage Evaluation, Claim Resolution, Auto Repair Estimation, Report Writing,
    Accident Scene Investigations, Casualty Claims Handling, Property Damage Assessment, Claims Adjustment
  • Advanced Oral and Written Communication Skills
  • Insurance Policy Coverage Knowledge
  • Texas Claims Adjuster License
  • MS Office, Microsoft Publisher, Microsoft Office Suite

Certification

  • Texas All Lines Insurance Adjuster License #1558679- 2005 to 2020
  • Florida License - P199301
  • 40 Hour Hazwoper Certification #754886431 - 2014
  • Dent Wizard Certification - 2013
  • State Farm Flood, Wind/Hail, and Basic Estimatic Certification - 2008
  • Liberty Mutual Wind/ Hail and Basic Estimatic Certification - 2012
  • State Farm Basic Auto Adjuster Estimatic Certified - 2009
  • Security Awareness Training - 2008- Current
  • Xactimate 27 Level 1 & 2 Certified - 2011
  • Allstate Wind/Hail and Basic Estimatics Certification - 2009
  • Microsoft Word, Excel
  • Private Investigators License - 2019 - current

References

  • Terry Florane, Manager, Worley Catastrophe Services, 318-393-6315
  • Rachael Oddo, RSO Precession Consulting, 281-914-2874
  • Paula Hernandez, Accounts Manager, 832-338-0084

Timeline

Office Manager

Moved By Faith Services
11.2023 - Current

Independent Claims File Reviewer

Brush Country Claims
04.2023 - 10.2023

Receptionist

Office Furniture Connection
09.2021 - 04.2023

Independent Adjuster

RSO Precession Consulting
03.2021 - 09.2021

SIU Investigator

Veracity Research Company
05.2019 - 03.2021

Independent Adjuster

Worley Catastrophe Response
01.2008 - 01.2019

Independent Adjuster

Pilot Catastrophe Services
01.2005 - 01.2019

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