Summary
Overview
Work History
Education
Skills
Timeline
Generic

CARMEN TURNER

Plano,TX

Summary

Detail-oriented Examiner with 13 years of experience. Strong command of conflict resolution and negotiation combined with excellent reporting and research skills. Thorough understanding of claims process and deep knowledge of claims industry. Solid abilities in developing objectives and strategies to settle claims. Excellent skills compiling, coding, categorizing and auditing information to process claims.

Overview

8
8
years of professional experience

Work History

Large Loss Commercial Property Adjuster

Sedgwick Insurance
01.2021 - 07.2024
  • Managed Commercial CAT Property Claims for the Office of Risk Management State Agencies throughout the entire state of Louisiana from inception to close
  • Investigated and reconciled fire losses, asbestos, entire offices of state police, public safety, correctional facilities, state parks, and other large commercial buildings.
  • Addressed fire losses for rebuild and alternate use of funds and property damage.
  • Reconcile Business interruption, the loss of income or profit suffered when an Agency operations are suspended or reduced as a result of direct or indirect (contingent) loss, such as through property damage.
  • Collaborated with aligning offices such as FEMA, ICF, Facility Planning and Control and architectural engineering firms.
  • Reviewed and analyze estimate costs, compare a budget to the actual expenses, and monitor costs.
  • Reviewed and aligned scopes per estimates, mitigation and property damage to determine accurate payments.
  • Identified risk factors, subrogation potential and total losses
  • Worked with agents, brokers, repair facilities, Communicated coverage denials and basis for denials using policy language
  • Adhered to state statues and company procedures.

CAT Property Adjuster

ASI/Progressive Insurance
04.2019 - 12.2020
  • Handled CAT Property Claims from open to close
  • Investigated losses and determine liability
  • ALE, LOU, and property damage
  • Reviewed and aligned scopes per estimates, mitigation and property damage to determine accurate payments
  • Identified risk factors, subrogation potential and total losses
  • Worked with agents, brokers, repair facilities, and attorneys
  • Obtained recorded statements and police reports regarding claim
  • Communicated coverage denials and basis for denials using policy language
  • Adhered to state statues and company procedures.

Property Claims Examiner

Liberty Mutual/Safeco
03.2018 - 03.2019
  • Responsible for newly reported homeowner claims
  • Obtained facts of loss
  • Determined coverage, based on policy, appraisal, field adjuster reports, inspections and verifiable damage
  • Invoicing, and renewals
  • Adhered to state statues and company procedures for client
  • Refer to subrogation, underwriting, worker’s comp, bodily injury, and risk management
  • Read and understand contractual insurance requirements and certificates of insurance
  • Authorized payments within authority amount given
  • Resolved any open issues
  • Notated file as needed
  • Downloaded/uploaded all documentation received and updated file accordingly
  • Issued payments, worked with contractors, attorneys, HVAC companies.

CAT Property Manager/Trainer

State Farm & Tower Hill insurance
08.2016 - 03.2018
  • Responsible for managing/Training claims department composed of file examiners and property adjusters for State Farm Insurance
  • Oversees insurance claims for personal, property, or casualty loss based on coverage, appraisal, and verifiable damage
  • Adhered to state statues and company procedures for client Tower Hill Insurance for catastrophe claims
  • Handled client and claim escalations daily
  • Work independently with minimal supervision
  • Strong planning and organizational and project management skills
  • Excellent interpersonal and communication skills, written and oral.

Education

Master of Real Estate Development -

Udemy
Online Course
10.2017

Skills

  • Xactimate X, Guidewire, Navigator, ECS
  • Claims Investigation
  • Policy Interpretation
  • Property Inspection
  • Technical knowledge
  • Lost profits & expense disruptions

Timeline

Large Loss Commercial Property Adjuster

Sedgwick Insurance
01.2021 - 07.2024

CAT Property Adjuster

ASI/Progressive Insurance
04.2019 - 12.2020

Property Claims Examiner

Liberty Mutual/Safeco
03.2018 - 03.2019

CAT Property Manager/Trainer

State Farm & Tower Hill insurance
08.2016 - 03.2018

Master of Real Estate Development -

Udemy
CARMEN TURNER