Derek Owen
St. Augustine,FL
Summary
Seasoned Property Claims Adjuster known for high productivity and efficient task completion. Skilled in damage assessment, claims negotiation, and policy interpretation. Excel at communication, problem-solving, and critical thinking, ensuring smooth claim resolution processes. Committed to delivering timely and fair outcomes for all parties involved.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Claims Adjuster II
Horace Mann Insurance
Saint Augustine, FL
01.2025 - Current
- Explain loss coverage, assist policyholders with itemizing damages and coordinate alternative living arrangements.
- Analyze information gathered by investigations and report findings and recommendations.
- Resolve complex issues related to multiple parties involved in a single claim situation.
- Analyze water mitigation reports.
- Review and adjust property damage estimates.
- Interpret insurance policy language to apply appropriate coverage.
- Prepare denial letters.
Property Claims Adjuster
Stillwater Insurance
Jacksonville, FL
03.2022 - 12.2024
- Investigated and determined coverage for 50 to 60 pending property claims concurrently. Types of claims range from wind, hail, fire, large loss, theft, flood, catastrophe to water non-weather nationwide.
- Prepared estimates and sketches via Xactimate and Xact Contents.
- Evaluated wind/hail reports, water mitigation reports, and dry logs.
- Experienced in writing estimates and sketches in Xactimate and Xact Contents.
- Collaborated with the special investigations unit on fraudulent claims.
- Trained and mentored less experienced adjusters.
- Responsible for contacting insureds, analyzing and verifying coverage, taking recorded statements, issuing payments, and payment letters with partial denials, and full denial letters.
- Negotiated settlement amounts with public adjusters, contractors, and vendors.
- Investigated property damage claims to determine coverage and liability.
- Evaluated policy provisions, applicable laws, and other relevant information to determine claim payments or denials.
- Prepared detailed written reports outlining investigation results.
- Assessed the value of damaged items based on market trends and depreciation factors.
Operations Supervisor
UPS
Jacksonville, FL
11.2019 - 03.2022
- Responsible for training and managing 10 to 12 employees
- Ran operations for the small sort division
- Directed the production of 30, 000 daily packages
- Ensured proper safety of employees and functionality of automated sorting machinery
Restaurant Manager
Frutta Bowls
Paducah, KY
07.2018 - 10.2019
- Responsible for daily business activities, including employee training, ordering, customer care, food prep, catering, and social media marketing.
- Ensured compliance with all food safety regulations and sanitation standards.
Education
All Lines Adjuster License -
University of Central Florida
01.2022
Bachelor's Degree - Theater Arts
Murray State University
Murray, KY05-2008
High School Diploma -
Christian Fellowship School
Benton, KY01.1999
Skills
- Xactimate
- Xact Contents
- Xact Analysis
- Employee training
- Microsoft Word
- Microsoft Excel
- Settlement Negotiations
- Claim investigation
- Claims processing
- Claims adjustment
- Coverage determination
- Policy evaluation
References
Available upon request
Certification
- Xactimate Level 2 Certified
- IICRC Certified
Timeline
Claims Adjuster II
Horace Mann Insurance
01.2025 - Current
Property Claims Adjuster
Stillwater Insurance
03.2022 - 12.2024
Operations Supervisor
UPS
11.2019 - 03.2022
Restaurant Manager
Frutta Bowls
07.2018 - 10.2019
All Lines Adjuster License -
University of Central Florida
Bachelor's Degree - Theater Arts
Murray State University
High School Diploma -
Christian Fellowship School
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