James Khan
Property Claim Professional
Bolton,CT
Summary
Experienced Property Claims Adjuster with experience handling complex commercial and personal property claims, including Business Income, Inland Marine, and Boiler & Machinery losses. Currently desk-handling claims in remote territories, with responsibility for reviewing policy provisions, analyzing coverage facts, evaluating damages and estimates, and documenting claim decisions. Experienced in developing detailed loss analyses, assessing repair methodology, pricing, loss timelines, and prior condition to support accurate claim evaluations and resolutions. Collaborates with insureds, underwriters, engineers, vendors, municipalities, and internal claim resources to investigate complex losses, resolve coverage and scope questions, and maintain well-supported claim files.
Overview
12
12
years of professional experience
Work History
Remote Territories - Property Claim
Travelers
04.2024 - Current
- Handle Personal and Business Insurance property losses across remote territories nationwide, managing claims from initial review through resolution.
- Review policy language, coverage provisions, and loss facts to establish coverage and outline appropriate claim direction.
Evaluate property damage reports, estimates, photographs, and supporting documentation to assess coverage, scope, and claim exposure. - Document claim findings, analysis, and decisions clearly and thoroughly to maintain accurate claim notes and a well-supported file history.
Analyze repair estimates against reported and documented damage to identify discrepancies, unsupported charges, omissions, and potential scope issues. - Coordinate with vendors and other claim resources to obtain supporting documentation, address scope questions, and advance property claims through the adjustment process.
Outside Claim Professional
Travelers
06.2023 - 04.2024
- Conducted on-site inspections and investigations of residential and commercial property losses, evaluating damage, causation, scope, and applicable policy provisions.
- Prepared detailed claim estimates and documentation while evaluating coverage, damages, and loss-related information in accordance with policy terms and claim-handling guidelines.
- Gained hands-on field experience assessing property losses and translating physical damage findings into well-documented claim evaluations.
Remote Territory - Commercial Property
Travelers Insurance
02.2021 - 06.2023
- Analyze complex **Business Income, Inland Marine, and Boiler & Machinery** coverage issues by reviewing policy provisions, loss facts, and supporting documentation to support well-reasoned coverage determinations.
- Investigate loss scope, repair methodologies, timelines, material pricing, and prior conditions to develop well-supported claim evaluations and resolution recommendations.
- Prepare detailed estimates and technical claim documentation that accurately reflect scope findings, damage assessments, and claim file requirements.
- Coordinate with underwriters, producers, CAS, PFT, engineers, PCQM, vendors, municipalities, and AFOs to obtain technical input, resolve coverage and scope questions, and advance complex claims toward resolution.
Remote Territory - Property Claim
Travelers Insurance
03.2020 - 02.2021
- Investigated Personal and Business Insurance property claims, reviewing loss circumstances, damage documentation, and applicable policy provisions.
- Conducted detailed claim investigations to assess cause of loss, extent of damage, scope of repairs, and potential coverage considerations.
- Reviewed estimates, photographs, inspection reports, and supporting documentation to develop accurate claim valuations and identify discrepancies.
- Applied estimating and property-loss knowledge to evaluate repair methodologies, pricing, and building components.
- Maintained thorough claim documentation, including investigation findings, coverage analysis, communications, and claim activity.
- Worked with insureds, contractors, vendors, and internal claim resources to obtain information, resolve claim questions, and facilitate timely resolution.
National Catastrophe Center - Resolution
Travelers Insurance
08.2017 - 03.2020
- Managed a high-volume catastrophe claim inventory while handling a significant share of complex and severe property losses requiring advanced technical evaluation and resolution.
- Reviewed supplemental claims and supporting documentation, reconciling discrepancies in damage scope, repair methodology, and pricing to support accurate claim resolutions.
- Expanded technical expertise through the evaluation and resolution of large and complex property losses while maintaining productivity, accuracy, and claim-handling quality in a high-volume CAT environment.
Claim Customer Service
Travelers Insurance
08.2014 - 08.2017
- Executed appropriate workflows for multiple BI/PI policy lines amid evolving procedures and reference materials.
- Applied claim documentation, estimate review, and policy investigations to keep files accurate and moving.
- Used negotiation and mediation skills with scope of loss analysis to resolve coverage questions and claim disputes.
Education
Bachelor of Arts - English Literature
Eastern Connecticut State University
Willimantic, CT08.2011
Skills
- Policy investigations
- Coverage determination
- Insurance policy coverage knowledge
- Valuation knowledge
- Scope of loss analysis
- Negotiation and mediation skills
- Claim documentation
- Estimate review
- Commercial property claims handling
- Vendor coordination
Additional Information
- Aerial Mapping - Product Development
- IL ACV Project
- CA Depreciation Project
- TX Freeze - Spoilage
- Peer Mentoring
- Community Outreach and Talent Development Committees
Timeline
Remote Territories - Property Claim
Travelers
04.2024 - Current
Outside Claim Professional
Travelers
06.2023 - 04.2024
Remote Territory - Commercial Property
Travelers Insurance
02.2021 - 06.2023
Remote Territory - Property Claim
Travelers Insurance
03.2020 - 02.2021
National Catastrophe Center - Resolution
Travelers Insurance
08.2017 - 03.2020
Claim Customer Service
Travelers Insurance
08.2014 - 08.2017
Bachelor of Arts - English Literature
Eastern Connecticut State University