CHAD KINJORSKI
Lapeer,MI
Summary
Results-driven Claims Adjuster with over 10 years of insurance claims experience. Skilled in developing profitable processes and implementing quality-focused solutions to ensure client satisfaction and company success.
Overview
13
13
years of professional experience
Work History
Field Claim Representative
Pioneer State Mutual Insurance Company
09.2020 - Current
- Inspected damaged property to complete appropriate estimates and documentation
- Properly document and organize claim file
- Worked toward claim resolution by maintaining regulatory compliance and fair claims practices within authority
- Summarized claims in excess of authority and submitted report for approval and review
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records
- Examined claims forms and other records to determine insurance coverage
- Identified suspicious losses and contacted manager and SIU for investigative assistance
- Delivered exceptional customer service to policyholders by communicating important information and patiently listening to issues
- Clarified coverage of losses to policyholders and provided assistance in itemizing damages and finding alternative living arrangements
- Assisted homeowners by coordinating vendor services, emergency repair, cleaning and contractors
Field Claim Representative
Auto Owners Insurance Company
05.2018 - 08.2020
- Investigate cause and origin of property and liability claims by contacting appropriate parties to determine coverage
- Analyze and determine coverage based on base policy and applicable endorsements for each claim and explain to insured
- Complete onsite inspections of damaged property to determine scope of loss and write accurate estimates
- Complete onsite estimates to issue payment directly to insured at initial inspection
- Accurate documentation of findings, coverage, payments, documents, photos and conversation into claim file
- Assign or handle subrogation and salvage opportunities in claims where applicable
- Assist SIU in investigation of claim where necessary, including recorded statements, EUO's and in person inspections
- Identify need for engineers/experts and utilize them when necessary to assist in the claim handling process
- Handle claim load of 200-400 efficiently and accurately, including retained branch claim legal files
- Generate reports and responses/letters in a timely manner to comply with state regulations and corporate guidelines
- Establish rapport with agents and involve/advise of claim process when necessary
Branch Claim Representative
Auto Owners Insurance Company
10.2014 - 05.2018
- Investigate, evaluate and determine the appropriate coverage position of all types of claims including lawsuits for personal injury/liability/slip and fall, physical damage and lost/stolen/misplaced items
- Create positive experience with the insured and any contractors/vendors/body shops by keeping them informed during the claim handling process
- Mitigate further risk to AOI by managing claims in an efficient and professional manner
- Document information into file, including outlining conversation, coverage positions, and any other findings
- Maintain customer confidentiality with personal information and medical records
- Work with inside and outside counsel to provide the best defense for our insured
- Attend and actively participate in facilitations and settlement conferences for personal injury/liability claims
Assistant Broadcast Negotiator
Team Detroit
10.2012 - 09.2014
- Assisted 3 broadcast negotiators and managers with support duties for high volume of television, cable and radio buys based on budgets and planning guidelines of customer while maintaining strict programming/time slot management
- Networked and developed quality relationships between the agency and local reps/TV/radio stations
Finance Intern
Team Detroit
06.2012 - 10.2012
- Supported a team of five full-time employees responsible for daily financial tasks
- Created international low cost country exchange rate and inflation spreadsheets used for negotiating pricing and contracts
- Established processes regarding inflation rates in S. American countries to assess risk using dollars for exchange
- Created financial formatting guide consistent with that of a major automotive corporation
- Led a five-person team that completed and presented intern project to senior leadership
Education
Bachelor of Business Administration - Finance
Grand Valley State University
Allendale, MI04.2012
Skills
- Liability determination
- Claims handling
- Insurance regulations
- Documentation proficiency
- Property damage assessment
- Casualty and property loss
- Claims file management processes
- Risk management
- Negotiate settlements
- Determine coverage
- Claims evaluation
Accomplishments Affiliations
- Eagle Scout, Boy Scouts of America
- Volunteer, Hope for Autism Foundation
Areas Of Work Focus
- Negotiations
- Customer Service
- Business Analytics
- Liability Analysis
Timeline
Field Claim Representative
Pioneer State Mutual Insurance Company
09.2020 - Current
Field Claim Representative
Auto Owners Insurance Company
05.2018 - 08.2020
Branch Claim Representative
Auto Owners Insurance Company
10.2014 - 05.2018
Assistant Broadcast Negotiator
Team Detroit
10.2012 - 09.2014
Finance Intern
Team Detroit
06.2012 - 10.2012
Bachelor of Business Administration - Finance
Grand Valley State University
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