Christian Munoz Morgado
Houston,TX
Summary
Dynamic and results-driven insurance with extensive expertise in catastrophic and daily claims management, adept at investigating, negotiating, evaluating, and settling complex claims. Proven track record of fostering effective relationships with clients, colleagues, and legal counsel while maintaining professionalism and discipline in high-pressure environments. Skilled in data analysis and problem-solving, with a strong command of Xactimate/CCC One and Microsoft Office Suite to enhance process efficiencies. Committed to continuous improvement and delivering quality care, leveraging skills as an Independent Adjuster to drive successful claims resolution and management.
Professional with focus on achieving impactful results in litigation field. Known for successfully managing intricate claims and negotiating settlements that align with organizational goals. Highly collaborative team player with commitment to adapting to evolving demands and maintaining high standards in all tasks. Expertise in case analysis and conflict resolution.
Overview
14
14
years of professional experience
1
1
Certification
Work History
ALL CAT – TESLA CLAIM HANDLER
Tesla
09.2024 - Current
- Analyzed customer data and applied relevant policies and procedures to resolve claims.
- Utilized various software programs such as Microsoft Office Suite to manage data entry needs.
- Processed incoming requests from customers in a timely manner.
- Resolved escalated complaints from customers regarding their insurance coverage or claim status.
- Ensured compliance with applicable laws, regulations, company policies, and procedures related to claims handling processes.
- Reviewed claim documents to determine if additional information was necessary for processing.
- Prepared comprehensive reports on findings after completing investigations on suspicious claims.
- Recorded and maintained insurance policy and claims information in database systems.
- Investigated and assessed damage to property and created and reviewed property damage estimates.
- Negotiated claim settlements and recommended litigation when settlement could not be negotiated.
- Reviewed police reports, medical treatment records, medical bills, or physical property damage to determine extent of liability.
- Investigated, evaluated and settled claims, applying technical knowledge, and human relations skills to achieve fair and prompt disposal of cases and to contribute to reduced loss ratio.
- Entered claim payments, reserves, and new claims on computer system, inputted concise yet sufficient file documentation.
- Payed and processed claims within designated authority level.
- Identified and documented key details of each claim, building comprehensive case file for accurate decision-making.
- Negotiated claim settlements with third parties to obtain agreed price for damages.
- Investigated and evaluated liability claims to determine validity, fault and extent of coverage.
- Provided guidance regarding insurance policy language interpretation and application of coverage in specific situations.
CLAIMS ADJUSTER
Nexterra
05.2024 - Current
- Used CCC One and Mitchell estimating systems to accurately assess damages and create repair estimates.
- Examined damaged vehicle to determine extent of structural, body, mechanical, electrical, and interior damage.
- Researched vehicle repair costs and determining total loss values.
- Provided detailed, accurate and timely estimates for repair costs.
- Coordinated with auto body shops, insurance companies and customers to ensure prompt and accurate repair estimates.
- Completed detailed vehicle inspections, took photographs, and prepared reports for insurance companies.
- Determined salvage value on total-loss vehicle.
- Reviewed repair cost estimates with automobile repair shop to reach agreement on repair cost.
PD/TOTAL LOSS ADJUSTER
QA Claims Firm
06.2019 - 06.2024
- Handle high quantities of BI / PD claims daily (well versed with AUTO/BI claims).
- Work closely with policyholder, claimant and select service to ensure a great customer service experience.
- Determine liability in motor vehicle accidents.
- Worked property desk claims completing extremely high claim volumes daily during catastrophe season.
- Worked Total Loss (Mitchell survey, NADA survey). Determine damages (flood, hail, man-made) and vehicle value.
- Experienced at Setting up rental services and appointments for estimators.
- Successfully defuse attorney and claimant issues.
- Practice great customer service skills daily with policyholders and attorneys.
- Prompt for daily work assignments.
- Very well organized and detailed, great problem solver and diffuser.
- Knowledgeable in TWIA claims (coastal).
- Professional with the client, staff, and the claimants.
- Knowledgeable in Flood claims process.
- Willing to travel on very short notice.
- Very well versed in Insurance Terminology and Verbiage.
- Corresponds well with legal counsel, determine what the insurance company will pay out.
- Able to take recorded statements, interview parties involved and report to management if needed.
- Evaluate all data such as hospital bills, police reports collected, and other important documents.
- Negotiate settlements and authorize payments.
- Investigated and closed countless claims (over 300 BI/PD claims assigned at any given time).
- Experienced in reimbursement tracking, skip trace, research, and resolve customer.
- Examine flood claims on location and completed file review to settle claim.
- Proficient in requesting street camera recordings (per guidelines of the company).
- Proficient in X1 (Xactimate 28) XA and Symbility.
- Reviewed and adjusted automobile total loss claims in accordance with company guidelines.
- Navigated multiple systems to handle and process claims.
- Determined if subrogation existed and took steps to initiate recovery efforts.
- Settled claims to contribute to business production goals and objectives.
- Collected data, established facts and exercised sound judgment in drawing valid conclusions.
- Coordinated with auto body shops, insurance companies and customers to ensure prompt and accurate repair estimates.
- Evaluated practicality of repair as opposed to payment of market value of vehicle before accident.
- Evaluated total loss claims to determine settlement amounts based on policy coverage and regulations.
- Collaborated with insurance adjusters to gather necessary documentation for claim processing.
OPERATOR
C.M.M Agency
10.2018 - 01.2020
- Bilingual translator for both Spanish and English.
- Provide translation services to clients, lawyers, and judges while in various sessions in the state of North Carolina court system.
RENOVATION TECHNICIAN
Master Care
01.2018 - 10.2018
- Remolding flooring, clearance of sheetrock and insulation.
- Learned construction processes and methods involved in rebuilding apartments and houses.
- Assisted in remolding apartments and houses as a research assistant: tools and economics.
- Practiced good time management and organizational skills when daily duties were assigned.
HARVESTER
Griffin Farms, Inc
05.2012 - 09.2018
- Assist and oversee harvest of tobacco, corn, wheat and soybean crops for storage and marketing.
- Scout crops and determine appropriate threshold before applying pesticides, herbicides and growth regulators.
- Manage barn crews to ensure timeliness and efficiency.
- Manage crews of employees and assign daily duties for farm operation.
- Manage and operate tobacco trailer crews, transportation of tobacco to and from desired destinations.
- Lead translator for employer, seasonal and full-time employees.
RESEARCH ASSISTANT
Criminal Justice NC
10.2016 - 10.2017
- Assisted in various court cases revolving around traffic infraction tickets and record keeping.
- Provided translation services to lawyers and clients.
- Assisted lawyers in paperwork and various court proceedings.
Education
High School Diploma -
Washington High School
NC06-2018
Skills
- Leadership
- Xactimate 28/X1
- Cisco Services
- Management
- Data Analysis
- Quick Books
- Problem Solving
- Training and Development
- Policy Implementation
- Client Database
- Record Keeping
- Organization
- Communication
- Microsoft Office Suite
- AutoCAD
- Interact and communicate effectively
- Corporate ethics
- Human resources management
- Proficient in [software]
- Problem-solving
- Interpersonal skills
- Decision-making
- Multitasking
- Professionalism
- Analytical thinking
- Teamwork and collaboration
- Time management
- Team building
Certification
- Auto all lines certification
- Fire certification
- Property certification
LANGUAGES
Spanish
Bilingual
ADDITIONAL EXPERIENCE
Determination of damage: Man-made, Experienced with assessing and managing litigation claims. Utilizes negotiation strategies and legal knowledge to achieve optimal resolutions. Strong understanding of case management, risk assessment, and effective communication in legal contexts.Hail, Improper Install, Ladder Safety: Rope and Harness, Proper Gear: Shoes, Clothing, Equipment, Proper Mount and Dismount from roof, Determination of Layers, roof types and Pitches., Total Loss I: Body Panel Parts, Types of Total loss, Determine Actual Cash Value, Tools of the Trade, Capturing Options, Customer service, Total Loss II: Settlement Figures, Settlement Presentation, Salvage Retrieval, Advanced Charges, Lien Holder, Title Issues, Flood Damage Estimating: Practice Flood Safety Precautions, Determine Different Types of Flood Waters, Identify Four Flood Levels
Timeline
ALL CAT – TESLA CLAIM HANDLER
Tesla
09.2024 - Current
CLAIMS ADJUSTER
Nexterra
05.2024 - Current
PD/TOTAL LOSS ADJUSTER
QA Claims Firm
06.2019 - 06.2024
OPERATOR
C.M.M Agency
10.2018 - 01.2020
RENOVATION TECHNICIAN
Master Care
01.2018 - 10.2018
RESEARCH ASSISTANT
Criminal Justice NC
10.2016 - 10.2017
HARVESTER
Griffin Farms, Inc
05.2012 - 09.2018
High School Diploma -
Washington High School