D. Michael Waters
Deland,FL
Summary
Dynamic insurance professional bringing 18 years in the field of insurance and a lifetime of residential construction with an emphasis on residential property claims.
Overview
24
24
years of professional experience
Work History
Senior Field Adjuster
Progressive Home Insurance Company
Deland, FL
11.2022 - Current
- Investigated properties, classified damages and created estimates outlining repair costs.
- Identified and obtained evidence to ascertain claim value.
- Analyzed and interpreted insurance policies, coverage, endorsements, exclusions, and other related documents.
- Utilized claim handling software to document and manage claim files efficiently.
- Maintained current knowledge of industry developments through continuing education courses.
- Explained loss coverage, assisted policyholders with itemizing damages and coordinated alternative living arrangements.
- Negotiated settlement of claims with claimants and attorneys to ensure fair outcomes.
Field Claims Adjuster
People's Trust Insurance Company
Deerfield Beach, FL
11.2016 - 08.2022
- Obtained all necessary information to complete proper evaluation of property claims via on site field investigations and directly communicating with policy holders as well as their contractors.
- Works with 3rd party vendors to resolve claims.
- Traveled to customer sites to evaluate fallen trees, leaking roofs and other issues to create accurate cost estimations.
- Explained loss coverage, assisted policyholders with itemizing damages and coordinated alternative living arrangements.
- Participated in training and mentoring of new claims adjusters, sharing knowledge and expertise.
- Identified fraud or misrepresentation attempts by claimants.
- Attended mediations or arbitrations when necessary to represent the insurer's interests.
- Communicated effectively with policyholders, providing updates and explaining claim processes.
Estimator
Rapid Response Team (People's Trust affiliate)
Altamonte Springs, FL
07.2013 - 11.2016
- Same duties as listed for People's Trust Insurance Company.
Property Adjuster / Water Mitigation Specialist
Liberty Mutual Insurance
Lake Mary, FL
07.2007 - 05.2013
- National Catastrophe (CAT) Unit- Held an All Lines Adjusting license in all states required.
- Reviewed and reconciled Property Estimate Reconciliation Estimates (P.E.R.N.'s) from independent adjuster's (IA's) and process payments to insured's, 3rd party contractors and independent adjusters (IA's).
- Handled local field CAT claims when needed.
- Worked with insured's/contractors handling supplemental and recoverable depreciation payments.
- Fast Track - Adjusted / settled claims via communicating with the insured over the phone using their description of the loss as well as receiving photos and measurements.
- National Water Mitigation Specialist- Piloted Liberty Mutual's first Water Mitigation Team.
- Received certifications through the I.I.C.R.C (Institute of Inspection, Cleaning and Restoration Certification) for Water Remediation Technician (WRT), Applied Structural Drying (ASD) and Applied Mold Remediation Technician (AMRT).
- Work with preferred vendors as well as outside contractors (via phone/desk position) setting-up water and mold mitigation with the proper equipment, demolition of the proper materials, properly monitoring the equipment by use of daily psychrometric / moisture readings.
- Used Xactimate to review vendor/contractor estimates for line item/pricing accuracy and job log note history to reconcile payment.
Construction Manager / Builder
US Home / Lennar Homes
Orlando, FL
05.2001 - 11.2006
- Managed the construction of 10 - 20 new homes simultaneously from start (survey/lot clearing) to finish (final punch-out and walk through).
- Worked with contractors, sales agents, building officials/engineers and customers throughout the construction process to meet deadlines.
- Scheduled contractors and inspected job sites on a daily basis to ensure blue print/take-off accuracy, proper workmanship and job site safety/cleanliness per OSHA guidelines.
- Used software (Build Pro) to aid in scheduling, payment reconciliation as well as back charges.
Education
Bachelor of Science - General Studies - Biological / Health Sciences
University of Central Florida
Orlando, FL12.1996
Associate of Arts - Associates Degree
Daytona Beach Community College
DeLand, FL08.1993
High School Diploma - Advanced Courses
Deland High School
DeLand, FL06.1991
Florida 620 Adjuster - All Lines - P141687
09.2007
Certified Residential Roof Inspector
Haag Engineering
OnlineWRT, ASD & AMRT certifications
IICRC
Orlando, FLSkills
- Property adjuster/estimator
- Claims file management processes
- Xactimate (level 3) experience
- Strong interpersonal and communication skills
- Thorough knowledge of residential construction
- Ability to read and draw blue prints/take-offs
- Hands-on experience in framing, trim carpentry, cabinet making and scenic carpentry
- Analytical
- Team player
- Decisive
- Critical thinker
- Integrity
- Customer service minded
Timeline
Senior Field Adjuster
Progressive Home Insurance Company
11.2022 - Current
Field Claims Adjuster
People's Trust Insurance Company
11.2016 - 08.2022
Estimator
Rapid Response Team (People's Trust affiliate)
07.2013 - 11.2016
Property Adjuster / Water Mitigation Specialist
Liberty Mutual Insurance
07.2007 - 05.2013
Construction Manager / Builder
US Home / Lennar Homes
05.2001 - 11.2006
Bachelor of Science - General Studies - Biological / Health Sciences
University of Central Florida
Associate of Arts - Associates Degree
Daytona Beach Community College
High School Diploma - Advanced Courses
Deland High School
Florida 620 Adjuster - All Lines - P141687
Certified Residential Roof Inspector
Haag Engineering
WRT, ASD & AMRT certifications
IICRC
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