Dakota Horger
Claims Adjuster
Lake Worth,FL
Summary
Observant Property Adjuster with 3 years of comprehensive experience investigating claims and determining correct amount of compensation for each case. Expertise in evaluating evidence such as photos and recordings to determine extent of damage. Proficient in calculating depreciation factors and replacement costs.
Overview
11
11
years of professional experience
4
4
years of post-secondary education
6
6
Certifications
Work History
Claims-Outside Adjuster
AllState
West Palm Beach, Florida
01.2024 - Current
- Examined claims forms and other records to determine insurance coverage.
- Investigated and assessed damage to property, prepared and review property damage estimates.
- Evaluated original investigation reports and documents to resolve secondary concerns.
- Participated in ongoing professional development opportunities to maintain current knowledge of insurance laws, regulations, and best practices within the field of claims adjustment.
- Conducted on-site field inspections to assess damages firsthand, allowing for more accurate estimates and informed decision-making regarding repair costs or total loss assessments.
- Prepared summaries of damage, payments, and policy coverage.
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
- Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials.
- Conducted day-to-day administrative tasks to maintain information files and process paperwork.
- Interviewed agents and claimants to correct errors or omissions and investigate questionable claims.
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
- Analyzed information gathered by investigations to report findings and recommendations.
Property Claims Adjuster
Universal Property & Casualty Insurance
West Palm Beach, Florida
08.2020 - 01.2024
- Inspecting 10-15 claims per-week
- 3 months of catastrophe duty with over 300 inspected losses.
- Travel to different states and areas of Florida to handle influx of claims. 5 1/2 months of total travel time in 2022.
- Negotiated claim settlements and recommended litigation when claims could not be settled.
- Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss.
- Investigated and assessed damage to property and reviewed property damage estimates.
- Examined claims forms and other records to determine insurance coverage.
- Delivered exceptional customer service to policyholders by communicating important information and patiently listening to issues.
Insurance Sales Representative
Imperial Insurance & Tax
Boynton Beach, Florida
07.2017 - 08.2020
- Reviewed customer needs and financial means to determine appropriate policy offerings.
- Maintained detailed records of customer information and policy sales.
- Sought out new clients and developed client relationships through networking, direct referrals, lead databases and cold calling, writing over 65 policies each month.
- Customized existing insurance programs to suit individual client needs by analyzing specific requirements.
Construction Worker
Stearns Construction
Boynton Beach , Florida
07.2014 - 07.2017
- Brought materials and tools from trucks and storage facilities to work site locations and organized for expected needs.
- Followed blueprints and diagrams to complete projects according to specifications.
- Worked with more knowledgeable professionals to grow understanding of principles and construction standards.
- Installed drywall, flooring and other interior finishes to create finished and functional living and work spaces.
- Mixed mortar and concrete.
- Leveled, smoothed, and finished surfaces of poured concrete for construction projects.
- Set wood and other forming materials to prepare for concrete pours.
Education
High School Diploma -
Park Vista Community High School
Lake Worth, FL 08.2009 - 05.2013
Skills
- Personal, casualty and property loss
Personal accountability
Insurance policy knowledge
Logical
Excellent people skills
Insurance policy coverage knowledge
Coverage determination
Claims
Damage itemization
Interior water damage knowledge
Hail and wind damage knowledge
Certification
4-40 Customer service representative W417038
Timeline
Claims-Outside Adjuster
AllState
01.2024 - Current
Minnesota non-resident independent adjuster license 40808180
06-2022
Alabama non-resident adjuster license 3001065434
11-2020
North Carolina non-resident adjuster license 18504215
11-2020
South Carolina non-resident adjuster license 18504215
11-2020
Property Claims Adjuster
Universal Property & Casualty Insurance
08.2020 - 01.2024
6-20 All lines adjuster license W417038
03-2020
Insurance Sales Representative
Imperial Insurance & Tax
07.2017 - 08.2020
4-40 Customer service representative W417038
03-2017
Construction Worker
Stearns Construction
07.2014 - 07.2017
High School Diploma -
Park Vista Community High School
08.2009 - 05.2013
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