Charity Hopkins
Dundee,FL
Summary
Results-driven Senior Claims Adjuster with over 5 years of expertise in managing complex property high exposures, environmental, marine and material damages cases. Proficient in policy interpretation, risk evaluations, client/ broker advocacy, conducting thorough investigations, and executing strategic settlement negotiations that consistently achieve favorable outcomes. Proven ability to reduce claim cycle times while ensuring compliance with state regulations and company standards. Recognized as a strong communicator and team leader with a successful history of mentoring junior adjusters and enhancing departmental efficiency.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Claims Specialist
Crum & Forster
Remote
06.2025 - Current
- Conducted thorough investigations for accurate liability determination, leading to fair claim resolutions.
- Reduced claim resolution time by effectively collaborating with internal teams, clients, and third-party professionals.
- Assisted claimants throughout entire submission process, guiding them regarding proper documentation requirements needed substantiate requests while also clarifying expectations concerning how long investigations might take before final decisions made about whether approve deny payouts proposed based findings obtained during case evaluations conducted teams assigned specialists like myself.
- Improved department efficiency with the development of comprehensive performance metrics to track individual progress and adjust workload distribution accordingly.
- Supported risk management initiatives by identifying trends and root causes of recurring claims to improve operational safety and prevent future incidents.
- Managed documentation for environmental incidents, including incident reports, bills of lading, surveyor assessments, and photographic evidence to support liability findings.
- Lead end to end Investigation, process, and resolved transportation-related claims involving oil spills, cargo loss, damage, and contamination in compliance with federal and maritime regulations.
- Develop performance metrics improving workflow and claim-handling quality.
- Identify claim trends and risks to support underwriting and risk-management initiatives.
- Manage documentation including incident reports, evidence packages, and environmental compliance files.
Resolution Manager
Gallagher Bassett Insurance
Remote
03.2023 - 05.2025
- Lead strategic discussions with management and legal counsel to identify industry trends and litigation strategies, aiding in the development of policies and positions for insurance claims.
- Managed SIU initiatives to analyze trends and study previous claim denials.
- Mentor and train new employees to seamlessly integrate into company culture and procedures, contributing to an efficient team environment.
- Interact directly with clients and third parties, guiding them through complex claims processes, ensuring appropriate claim handling, and identifying issues for further investigation.
- Provide clear communication and effective problem resolution in high-stakes claims, managing damages of up to $100,000.
Material Damage Claims Representative
National General Insurance
Remote
01.2021 - 03.2023
- Collaborated with management and legal teams to address emerging legal and policy issues within the insurance claims process.
- Led SIU operations for Florida region, reporting on industry trends and analyzing previous claims denials to streamline future processes.
- Trained new hires in policy procedures and claims management, ensuring smooth transitions and efficient operation.
- Acted as a key point of contact between customers and insurance companies, evaluating claim details and facilitating fair resolutions.
MS Science Teacher
Navigator Academy of Leadership
Davenport, FL
07.2020 - 01.2021
- Designed and delivered dynamic, inclusive educational programs, focusing on student engagement and active learning.
- Collaborated with interdisciplinary teams to align curriculum with school goals, ensuring that content met both academic and regulatory standards.
MS Science Teacher
McLaughlin Middle School
Lake Wales, FL
07.2019 - 05.2020
- Developed and executed educational strategies tailored to the diverse needs of middle school students, improving engagement and learning outcomes.
- Maintained thorough and accurate records of student progress, collaborating with school leadership to address individual student needs and goals.
HS Science Teacher
Liberty High School
Kissimmee, FL
08.2018 - 05.2019
- Delivered comprehensive science curriculum while adhering to state and local education guidelines, fostering academic growth and critical thinking.
- Regularly communicated with students, parents, and administrative teams to address concerns and promote a positive learning environment.
Education
Master of Public Administration -
Barry University
Miami, FL12.2021
Bachelor of Science - Biology – Concentration: Pre-health
Warner University
Lake Wales, FL07.2018
Skills
- Conducted trend analysis and reporting to deliver valuable insights for informed policy recommendations
- Directed management of high-pressure situations to enhance client relations and drive effective problem-solving
- Demonstrated expertise in navigating complex systems and processes
- Oversaw regulatory frameworks and ensured compliance with local, state, and federal laws
- Oversaw property and environmental claims management processes to ensure compliance and efficiency
- Conducted comprehensive coverage analysis to identify gaps and opportunities
- Conducted comprehensive risk assessments to identify potential vulnerabilities
- Facilitated discussions to reach agreements among team members Supported negotiation processes to align project goals with stakeholder expectations Assisted in resolving conflicts to maintain team cohesion
- Facilitated collaboration among legal teams to enhance litigation strategies
- Executed trend identification processes to inform strategic decision-making
Certification
0620 – Adjusting – All Lines
Timeline
Senior Claims Specialist
Crum & Forster
06.2025 - Current
Resolution Manager
Gallagher Bassett Insurance
03.2023 - 05.2025
Material Damage Claims Representative
National General Insurance
01.2021 - 03.2023
MS Science Teacher
Navigator Academy of Leadership
07.2020 - 01.2021
MS Science Teacher
McLaughlin Middle School
07.2019 - 05.2020
HS Science Teacher
Liberty High School
08.2018 - 05.2019
Master of Public Administration -
Barry University
Bachelor of Science - Biology – Concentration: Pre-health
Warner University